7 Times to Use a Debit Card Instead of a Credit Card

Managing Debt

7 Times to Use a Debit Card Instead of a Credit Card

7 Times to Use a Debit Card Instead of a Credit Card

Credit cards are renowned for their convenience and security, but they are not the best tool for every job. The biggest problem with credit cards is the fact that cardholders can easily use them to get them into debt, which results in costly interest charges. Other potential drawbacks of credit cards include the high fees charged to merchants and… Read More

5 Budget ‘Serial Killers’

Personal Finance

5 Budget ‘Serial Killers’

5 Budget ‘Serial Killers’

You went over your monthly budget — again. Now you’re looking at bills and bank accounts, figuring out how to shuffle money around so you can pay everything and avoid this awful feeling next month. Good luck with that. Everyone has different financial priorities, but no matter who you are, there are some expenses that… Read More

Why You Feel Like You’re Broke

Personal Finance

Why You Feel Like You’re Broke

Why You Feel Like You’re Broke

You have a steady job, but when it comes to paying the bills, you feel like you’re living paycheck to paycheck — what’s up with that? “I think there are a lot of people out there who feel that way,” said Kendra Hudson, a certified financial planner at Woodward Advisors in North Carolina. “It’s true… Read More

How to Freeze Your Spending Now to Save for the Holidays

Personal Finance

How to Freeze Your Spending Now to Save for the Holidays

How to Freeze Your Spending Now to Save for the Holidays

Editor’s Note: Inspired by this article, several Credit.com staffers are tracking their own personal spending freeze on social media. You can follow their progress as they stop spending and start preparing for the holidays using the hashtag #spendingfreeze on Facebook and Twitter. We’re all aware that “the most wonderful time of the year” is also typically… Read More

6 Savings Tricks That Can Backfire

Personal Finance

6 Savings Tricks That Can Backfire

6 Savings Tricks That Can Backfire

While reviewing your finances, you may struggle to find reasons why your budget isn’t working. Everyone loves saving money, but the way you cut back can make a big difference. In fact, certain budget habits can actually cost you dearly. Even the best saving intentions can lead to financial flubs, it’s all about executing them… Read More

3 Fall Financial Goals

Personal Finance

3 Fall Financial Goals

3 Fall Financial Goals

With summer fading away, it is a great time for a financial checkup. While the leaves are changing, school is starting and you are looking toward the holidays, it’s a good idea to review your spending habits and reconsider your budget. The following steps can help you finish 2014 as a fiscally fit individual. 1. Get Organized Being… Read More

A Guide to Budgeting With Roommates

Personal Finance

A Guide to Budgeting With Roommates

A Guide to Budgeting With Roommates

Deciding how much rent you can afford can be tricky — and a great way to cut back on costs can be splitting the rent with another person. But when sharing a home with someone, you are inevitably sharing even more (food, utilities, living space, etc.). It’s a good idea to discuss all expectations of personal… Read More

A Single Parent’s Guide to Budgeting

Personal Finance

A Single Parent’s Guide to Budgeting

A Single Parent’s Guide to Budgeting

Family finances are hard no matter what, but single parents carry an extra burden. When your relationship collapses or your partner dies, money can suddenly become your biggest worry. Because of the departure of one income, single parents tend to be low on income. To make matters worse, caring for children can make it more… Read More

How to Stop Ignoring Your Finances

Personal Finance

How to Stop Ignoring Your Finances

How to Stop Ignoring Your Finances

Whether you hope to buy a home or retire comfortably (or both!), financial goals can often seem too big and like they will take too long to reach. Dealing with your personal finances may feel like just another thing on your to-do list. That can cause stress, but ignoring the problem will not eliminate it,… Read More

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