3 Simple Ways To Improve Your Credit Score


If you have bad credit you might think you are doomed to ride the city bus and rent a house your entire life. Items such as a bankruptcy or debts in collection are going to ding your credit. These negative items will stay on your report for the next seven years. So you may think that you’re screwed for several years. But that might not be the case entirely. Sure, bad mistakes made when you were younger are indeed going to hurt you, but there are things you can do to to boost your credit score right away.

3 Ways To Change Your Perspective On Money


We all want to be better at managing our finances. It is understood by most people that responsible and smart money management will improve our lives. Responsible money management allows our lives to be less stressful—less fraught with questions like “do I have enough in the bank to cover this week’s groceries?” and “what will I do if there is a real emergency?”

Understanding Basic Investment Products: Stocks


It can be very intimidating to get into investing, especially for young people or people newly endowed with large sums of cash (such as in the cash of an inheritance). Investing can feel a lot like gambling, and it a lot of ways it is, so many people are hesitant to throw their hat in the ring.

5 Point Checklist To Get Out Of Debt


Getting out of debt is not easy, but it is possible if you have a plan to destroy your debt. While these steps may not be sexy, they will work if you stick to them. Here is your blueprint to pay off your debt and get back in the black.

5 Money Making Ideas You Can’t Ignore


The period around Christmas and new year is always going to see your checking account taking a considerable battering.

In order to save money at times like this, it’s first necessary to have some extra to save. Follow our money-making tips below, and you’ll be well on your way to doing exactly that.

3 Situations Where Payday Loans Make Sense


Usually when most consumers hear the phrase “payday loan”, alarm bells start ringing in their heads. Who can blame them? The media has painted payday loans as the bad guy.

Well, the reality is that, payday loans are exactly what they are: they are loans. They are neutral financial instruments that can produce a lot of good in the hands of some people and could produce a lot of bad when abused by some other people. That is the bottom-line.

Hidden Tax Benefits Of Using A Credit Card


It’s easy to focus on the harms credit cards can cause us. But that’s actually quite unfair because, if you look at it, credit cards are just neutral personal financial utensils. That’s what they are, they are simply tools we can use effectively. And just like with any tool, you can do something good with it or you can abuse it. It’s not the tool (the credit card) that’s the problem but the person using the tool – that’s the bottom-line.

How To Teach Kids Of All Ages About Money


As a parent, one of the most important things you can do is educate your children about money. It’s important for kids to not only know what money is, but how to use it and how much value it really has in society. Teaching your kids about money during three important phases in their lives will have a lasting impact that will last them throughout their lives.

5 Ways To Avoid Credit Card Scams


When it comes to credit card issuers, many have bad reputations among consumers and with good reason. Credit card companies are professionals at creating scams that consumers fall for over and over again. These scams can wind up costing you hundreds or thousands of dollars that you often can’t get back.

5 Tips For Repairing Your Credit


When it comes to credit, most consumers fall into one of two categories. They either have a firm handle on how credit works and what actions effect it or they are completely clueless. Regardless of which camp you fall into, you may be looking for ways to boost your credit score in a relatively short time.