Allison Martin Gravatar

Allison Martin

Contributor |  In Credit Score, Credit Cards

Allison Martin is a copywriter and financial mentor. She specializes in educating individuals about personal finance through insightful and candid articles. Allison earned her Bachelor of Science and Master of Accountancy degrees from the University of South Florida. She also covers personal finance topics at Love to Know and Lifehack. www.allisonemartin.com

How to Appeal a Credit Card Rejection

Credit Cards

How to Appeal a Credit Card Rejection

How to Appeal a Credit Card Rejection

Have you ever applied for a credit card on the spot in order to take advantage of a great promotional offer? You think you’ve been preapproved, but that’s one of the common myths about these offers that come in the mail. What happens when your application is denied or held up for further review? Are you just out… Read More

6 Simple Ways to Stretch Your Income

Managing Debt

6 Simple Ways to Stretch Your Income

6 Simple Ways to Stretch Your Income

Ever sat and thought about all the things you could do if you had more money? You’re not alone. But when it comes down to it, there’s probably very little spare change lying around. So, the first step is to figure out where you stand in terms of disposable income and make spending cuts. But deprivation… Read More

5 Quick Ways for Couples to Get Out of Credit Card Debt

Managing Debt

5 Quick Ways for Couples to Get Out of Credit Card Debt

5 Quick Ways for Couples to Get Out of Credit Card Debt

When you exchanged vows, did you take a moment to actually think about what you were committing to financially? In the standard version, there’s something in there about “richer or poorer,” which means that you agreed to stand by your partner’s side even when liabilities exceed assets. But it’s no secret that not all unions last… Read More

5 Reasons You Fail to Reach Your Savings Goals

Personal Finance

5 Reasons You Fail to Reach Your Savings Goals

5 Reasons You Fail to Reach Your Savings Goals

Although the darkest days of the recession are over, many Americans still have a difficult time saving money. It doesn’t help that the official poverty rate was last reported at 15%, or 46.5 million people, by the U.S. Census Bureau. It’s awfully hard to save when your income for a family of four is less than $23,850 (although it can… Read More

7 Ways to Get Credit When You Don’t Have Any

Credit Score

7 Ways to Get Credit When You Don’t Have Any

7 Ways to Get Credit When You Don’t Have Any

Credit is one of those things you don’t want to be without. But, as we all know, the credit game is definitely a Catch-22. You need a good credit history to snag the best deals on loans, yet it’s very difficult to get credit without a borrowing history. 1. Become an Authorized User If a friend… Read More

10 Ways Being Frugal Can Actually Cost You Money

Personal Finance

10 Ways Being Frugal Can Actually Cost You Money

10 Ways Being Frugal Can Actually Cost You Money

It pays to spend less whenever you can, right? Well, not necessarily. There are some cases where the “less is more” principle doesn’t work. Being cheap cuts costs for the moment, but may cause you to incur additional expenses in the long run. That ends up being the antithesis of frugality. Here are a few instances… Read More

13 Simple Ways to Save on Summer Vacation

Personal Finance

13 Simple Ways to Save on Summer Vacation

13 Simple Ways to Save on Summer Vacation

Summer is nearly upon us, and you know what that means? It’s vacation time! Well, at least for most of us. In fact, a survey last year by Orbitz revealed that nearly 80% of Americans planned to take a vacation during the summer months. Unfortunately, some destinations are more popular than others and are almost guaranteed to… Read More

8 Credit Card Problems You Can Avoid

Credit Cards

8 Credit Card Problems You Can Avoid

8 Credit Card Problems You Can Avoid

I’m almost certain you’ve received credit card offers in the mail with an alluring interest rate. Unfortunately, looks can be deceiving, because the lowest interest rates are reserved for consumers with the highest credit scores. Consumers can feel misled by these promotions, even when the credit card companies aren’t violating any laws. The CARD Act… Read More

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