personal finance

emergency fund tips

Every financially responsible adult should have an emergency fund; when it’s about financial emergencies, it’s not about if they’ll happen, but when they’re going to – and the difference between sink-or-swim when something happens that requires cash could be your emergency fund.  Statistics say that as much as 40% of Americans don’t have enough cash saved away to cover a $1, 000 financial emergency. If this describes you – and

no credit check loan

A low credit score can hamper even the most fiscally prudent and honest of people. Buying a car or a home, renting an apartment, or obtaining a credit card almost always depends on the quality of the potential borrower’s credit. However, bad credit will keep those potential borrowers from obtaining most types of loans. Bad credit loans don’t necessarily mean they are bad. These loans exist because people with bad

couple debt consolidation

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

7 Budget-Friendly Tips for Christmas Shopping

The holiday season is fast approaching and that means it’s almost time for holiday shopping! Christmas shopping can be fun, but it can also be stressful. If you’ve been working hard to get your spending and your budget under control, one ill-timed holiday shopping spree can blow your budget in a big way. This year as you try to get your bank account healthy and your budget intact, approach Christmas

unbanked paying cash shopping

We take certain parts of life for granted. We can find a grocery store when we need one. We can get cash from an ATM. But some of the American population isn’t living in the same way.

how to get money fast

Running out of money is a terrible feeling. Fortunately, finding easy cash can be easier than you think. We have collected a list of possibilities below that will help you get cash and get back on your feet quickly. Give Blood You can make an easy $30 or so by giving blood. You might be able to donate weekly, if you can handle the needle and have the time. Donate

student debt

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

How Bad Credit Can Affect Your Relationships

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

How to Save Money on Groceries

If you’re trying to save money with frugal living, you already know that the grocery story is both a blessing and a curse. You can save a lot of money by preparing your own meals, but only if you avoid the expensive items and plan wisely. It’s easy to save money in the grocery story, but it’s also easy to blow your budget buying groceries. Even though the price of

Covering the Cost of Raising School-Age Children

Kids are expensive. The expenses start the moment you buy your first set of diapers or schedule that first sonogram. But the expenses don’t stop coming just because your child has graduated to table food or has finished potty training. There are always costs associated with raising children, and sometimes our cash flow doesn’t always keep up with the things our children need. This is especially true for school-age children