There are few calls that elicit as much dread and frustration as a debt collector. Yes, even more than those extended car warranty calls! While it’s probably not a number saved in your phone, you know who the number belongs to. Each time it calls you get that sickly feeling – fear, shame, anxiety, anger, and annoyance. We’ve all been there at some point, for one reason or another, and besides calling constantly, you may or may not be aware that there are some rules that debt collectors do have to follow.Continue reading “Debt Collectors – What They Can and Can’t Do”
Having an emergency fund during uncertain times can provide you with some peace of mind and sense of security. Whether it’s fully funded or you are just starting to build it, you may be wondering what events would qualify as emergencies and allow you to dip into those funds. Do you need to rethink priorities? Should you move things around in the budget to make space for this new expense? Or is this a legit emergency? Of course, there is no shame in using your emergency funds, but you should ask yourself these 3 questions first.Continue reading “When Should You Dip into Your Emergency Fund?”
Before I dive into the meat of the blog, I have to ask – does anyone actually enjoy grocery shopping? For most people, it’s one of those chores that never goes away – like washing dishes. No matter how many times you do it, you always have to do it again.Continue reading “Online Grocery Shopping – Budget Friend or Foe?”
When it comes to obtaining funding for your business – a line of credit, SBA loan, or financing to buy equipment or inventory – having a strong business credit score can make all the difference in getting approved. Obtaining a solid business credit score is a little more complicated than just paying your loans on time. Unlike personal credit, it can take much longer to build your business credit since not all loans or vendor report to credit agencies.Continue reading “How to Easily Build Your Business Credit”
Let’s be honest – there is A LOT of advice out there when it comes to creating and sticking to a budget. Perhaps you’ve followed some, tried budgeting, and it just didn’t work out. Budgeting is hard!
Budgeting is essential if you want to pay down debt, save money, and have an idea of where all your income is going each month. It’s a tool you need to achieve your money goals, and while getting in the budgeting habit can be hard, it can be a lot harder if you fall for these budgeting myths.Continue reading “Budgeting MYTHS you should avoid!”
Whether your child is an upcoming Freshman or a returning Junior, it’s never too early to start planning for the upcoming college school year. Like most parents, you probably want to assist your child with the cost of college tuition beyond any scholarships, grants, or student loans of their own. If you need to borrow money, you may need to decide which is the best option for you – a Federal Parent PLUS Loan or a Parent Private Student Loan.Continue reading “Student Loans – How to choose between Parent PLUS Loans vs. Private Parent Loans”
When it comes to financial or money advice, it seems like everyone has an opinion – some of it can be great and definitely worth looking into, and some of it, well, it’s just really, really bad and should be avoided.
If your resolution for 2021 is to save more money or get your finances in order, here are a few pieces of BAD advice you should steer clear of.Continue reading “Financial Advice to Avoid in the New Year”
Saved money on gas… check
Saved money on eating out… check
Saved money on vacations and date nights… check
2020 has been a rollercoaster ride for many people’s finances. During mandatory shutdowns, most Americans cut back on what were once normal activities and found that they were able to save some money. But now what? As communities slowly reopen, it seems like there are deals and sales everywhere vying for your dollars. So how do you avoid post-quarantine overspending?Continue reading “Tips to Avoid Post-Quarantine Over-Spending”
Buying a house can be stressful; selling a house can be stressful – add in buying and selling a house at the same time, and it could end up being downright chaos IF it’s not done correctly. There is a lot of conflicting advice out there, so we’re weighing in on some of the most common questions/issues that you’ll face when buying/selling concurrently.Continue reading “How to buy and sell a home at the same time”
When it comes to borrowing money, it’s important to understand all aspects of the loan – not just your payment amount, interest rate, and number of payments to be made. There are many different types of loans including personal loans, auto loans, consolidation loans, mortgages, home equity, etc., however they all fall into one of 2 categories: secured or unsecured.Continue reading “Secured vs. Unsecured Loans – What’s the Difference and Why Does it Matter”