It’s easy to think of debt as a single thing. Like a lump sum of money you need to pay back rather than the collection of student loans, credit cards, car loans, mortgages, personal loans and even payday loans you’ve amassed – all with different payment dates, all with different payment amounts. For most of us, our debt is a collection of messy numbers. You have bills due all month
Everyone struggles at times with personal finance. It’s inevitable that, despite your best intentions, something goes wrong with your personal finances. The hope is that when you make a money mistake, it is something that is easily correctable. Sometimes a mistake is just that – a mistake. You missed a payment deadline. You forgot to sign a check before mailing it. But other times money management mistakes can set you
Thinking about higher education can be stressful, especially if you’re not sure how you’re going to pay for it. Student loans are an excellent option for many people. If you’re worried about going into debt or if you have other questions about how financing your education will affect your future, we’re here to help. We want to give you all of the information we have to help you make an
Good relationships aren’t easy, as the 40 million Americans using online dating services will attest. There’s a minefield of things you can do wrong, including game playing, talking about your ex, and ignoring important red flags. But there’s one relationship wrecker that most couples aren’t even aware of: the bad credit score. Having bad credit impacts your life in a myriad of negative ways like making it hard to borrow
When you find yourself in a bind and can use fast cash, installment loans can be a manageable way of making ends meet, but they have their pros and cons. The term installment loans might sound familiar, and you may have even used them in the past without realizing since there are several types. When you borrow installment loans online, you agree to a set amount which is to be
Have you been hit by a surprising expense; your car bit the big one and needs a major repair or you need to buy a new one, or your water heater blew and it needs to be replaced, perhaps? Have you fallen on hard financial times; maybe you’ve lost your job or you’ve been forced to take a pay cut? Do you need to take an unexpected trip; a member
Imagine you’re in the market for a home. You probably want to get pre-approved for a loan so you know how much a lender is willing to offer you and at what rate before your start searching for the property of your dreams. With pre-approval in place, you know what your spending limit is and when you make an offer on that perfect home, you know it won’t fall through
Using personal loans is a great option for many people looking to consolidate credit card debt or make a large, one-time purchase. However, depending on a person’s financial profile, it could also result in years of crushing payments or defaulting on the loan altogether. A personal loan uses installments. A bank, credit union, or online lender issues the loan at a fixed rate and amortization period. The time frame can range
