Higher education is taking its toll on students across the nation, leading many people to question whether or not a college degree is worth it. As of today, collective student debt is at an astonishing all-time high of $1.16 trillion. That’s $31 billion more than it was last year. The cost of higher education is …

Valentine’s Day and debt. Debt and Valentine’s Day. If you’re in a relationship, then you know probably know how well these two terms go together. Last year, the average swooner spent over $130 on their beaux or beau. Maybe you spent more, maybe you spent less, but you probably spent something. According to Debt.org, the …

Fact: 60% of the time, the holidays hurt your checkbook every time. Are you starting to feel the sting of last year’s debts? Like new gym memberships, New Year’s resolutions may start strong, but they often end up stuffed behind your sock drawer. The holidays are a time when budgets, moderation and diet plans tend …

It’s that time of year again – bells are ringing, carolers are caroling, and mediocre holiday songs are polluting airwaves across America. Yup, ’tis the season . . . to fall in debt. According to Statistic Brain, 90% of shoppers this year will be buying most of their holiday presents online, with the average person …

(Pumpkin Bert and Ernie approve of this blog post) With Halloween just around the corner, people are predicted to spend a hair-raising $7 billion on this year’s festivities. Pumpkin carving, apple picking, and lots and lots of sweets are just the tip of the iceberg, as the average ghoul (or gal) spends well over $70 …

Understanding and managing your credit health is a significant aspect of personal finance in today’s modern world. It impacts various aspects of life, including the ability to secure loans, buy a home, or even land certain jobs. However, sometimes, due to lack of awareness or unfortunate circumstances, individuals may find themselves on a path to …

Brace yourself: big changes are coming to your student loans. For years Congress has been working to pass legislation to help rope in swelling student loans. But much like everything else that’s government-related, it’s important that you read the fine print. That’s where we come in. Student Loans: Debunked The first major change is the …

Believe it or not, getting out of debt IS possible! What does the average college student, the average homeowner and the average retiree all have in common? They’re all in heaps and heaps of debt. At a time when the national consumer debt is at an all-time high (it’s currently somewhere around $11.5 trillion), more …

We recently came across this blog post by Dave Ramsey and thought he missed a few details. In fact, we thought it was so inaccurate we couldn’t help but make a few changes. For a more detailed commentary on Dave’s article, click here. In the meantime, we hope you enjoy our edits.

Sorry, Dave Ramsey, But You’re Wrong When It Comes to Debt Management There are a lot of misconceptions around the legitimacy of professional debt management programs these days. Take Dave Ramsey’s Truth About Debt Management article as an example. In his article, which we’ll dive into below, he talks about the risks involved in a …