Having multiple credit cards can be a blessing and a curse. If you can manage, it is a great way to build a shining credit score, and can give you the freedom to make purchases that you don’t want to plunk down all your cash on. On the other hand, if you can’t manage them [...]
Tag Archives | debt
College Loan Repayment – Make Smarter Decisions about Student Loans
If you decide to utilize college loans to finance your education, you should do your research up front on what you will have to pay back once you graduate. Repayment terms for student loans vary from Federal Direct Loans to private loans. Understanding how much you will owe at the time you get your degree [...]
Trick Yourself Into Saving More
When it comes to our personal finances we generally know the basics of what we need to do to be successful. Spend less than you earn. Stay out of credit card debt. Save a decent percentage of your income for emergencies and long-term planning. But just because we know what to do doesn’t make it [...]
Questions to Ask When Considering Home Loan Refinance
Refinancing a mortgage is something that most homeowners at least consider at some point during the time that they hold a mortgage. Whether it’s the appeal of a lower rate, a reduced monthly payment, a sense of cost certainty, better lender service or a variety of other reasons, there’s almost always something that holds enough [...]
How to Manage Your Personal Cash Flow
The key to managing your personal cash flow is treating your personal finances like a business. Figuring out how to increase revenue and reduce costs is the secret to maximizing profits and ultimately putting more dollars in your bank account. If you don’t have positive cash flow, it’s nearly impossible to increase wealth. So how [...]
What Is Debt and How to Manage It
Merriam-Webster defines debt as something owed: obligation, which is strictly a definition with no emotion to it. However, Merriam-Webster’s other definition of debt is sin, trespass. While debt may have been a sin in Biblical times, most of us don’t think of it that way now. Most of us accept that debt is just a [...]
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