How Much Debt Does the Average American have by Age
How Much Debt Does the Average American have by Age You and I know how much debt can limit our lives. The good news is that there are more options for all age groups to get out of debt today. In a recent survey, nearly 75% of people said that they were more frugal in […]
Best Way to Increase Your FICO Fast
Best Way to Increase Your FICO Fast Whether you want to get a mortgage or simply need a lower interest rate on a credit card, your credit score is an important part of your financial health. This three-digit number shows companies whether you can handle debt responsibly. If your FICO score is too low, you […]
Tax Preparation for Newbies
Tax Preparation for Newbies In high school, you and I learned that neatness made a difference when we submitted our work. Teachers have a reputation as sticklers, but they cannot match the IRS for insistence on appearances. A messy Form 1040, 1040-A or 1040-EZ does not get the reception that we want from a professional […]
How to Stay Debt-Free with a Low Income
How to Stay Debt-Free with a Low Income There’s no question about it: Staying out of debt is easier when you make a lot of money. Of course, not all of us are able to bring in the big bucks, so to speak. Does that mean that you are doomed to a life of debt […]
Cosmetic and Plastic Surgery with Bad Credit
Cosmetic and Plastic Surgery with Bad Credit Getting the body of your dreams can be an expensive process. Whether you need one procedure or a few to achieve the look you desire, chances are good that you’re looking at a pretty large sum of money. Unfortunately, unless your procedure is deemed medically necessary, the burden […]
What You Need To Know FHA Loan
What You Need To Know FHA Loan You and I both know that people who have money seem to get all the breaks when the need to apply for a mortgage occurs. Your outlook improves with the chance to get a Federal Housing Administration (FHA) loan with a smaller down payment and a lower credit […]
Single Mom and Saving Money
Saving money can be difficult for most people. Real wages have stagnated since the 1970s, and they have barely budged up since then when accounting for inflation. Single-parent households tend to have lower incomes and financial stability than two-parent households. With the gender pay gap, statistics would indicate that single mothers will have more trouble […]
How Do Federal Reserve Rate Changes Affect Me?
Every quarter, the Federal Reserve’s Federal Open Markets Committee meets to determine if the federal funds rate should be adjusted, and emergency sessions are called as needed between quarterly meetings during economic crises. A Fed rate cut is generally viewed positively, and this is most easily visible in the form of a boost in the […]
Guide to Buying a Car with Bad Credit
Guide to Buying a Car with Bad Credit You and I both know how stressful and inconvenient it can be to get around town without your own car. In an ideal situation, you would have full access to your current vehicle until you are financially prepared to make an upgrade. However, you may be in […]
How to Borrow Smart for Plastic Surgery
How to Borrow Smart for Plastic Surgery Cosmetic surgical procedures may help you to improve problem areas that are currently causing you grief and eroding your level of self-confidence. Some cosmetic surgical procedures, such as breast implant removals and breast reduction surgeries, may be necessary for health and well-being. Regardless of the type of cosmetic […]