What Will Leave a Black Mark on My Credit Report?

Credit Score

What Will Leave a Black Mark on My Credit Report?

What Will Leave a Black Mark on My Credit Report?

When you’re looking to apply for a loan, lenders place a major emphasis on your credit report. Your credit history includes your amount of debt and payment history, as well as other factors, and lenders look to your past credit behavior to see whether you’ll be a good credit risk going forward. There are some… Read More

4 Furniture Shopping Gotchas

Personal Finance

4 Furniture Shopping Gotchas

4 Furniture Shopping Gotchas

Buying furniture has always been a perilous, complex affair. You don’t buy a couch the way you buy a television or a laptop computer. You can’t carry the couch out of the store with you (most of the time). Heck, usually you don’t really have a great idea when the couch will get to your… Read More

Paying Off Debt? How to Avoid Burning Out

Managing Debt

Paying Off Debt? How to Avoid Burning Out

Paying Off Debt? How to Avoid Burning Out

When you have a large amount of debt, it can feel like you will never be free of it. Even if you get yourself motivated to pay it off, it can be hard to stay motivated. While living on a tight budget can seem doable in the short term, to succeed long term, it’s important… Read More

10 States With the Highest Bankruptcy Rates

Managing Debt

10 States With the Highest Bankruptcy Rates

10 States With the Highest Bankruptcy Rates

Every year, hundreds of thousands of Americans file for bankruptcy. Even though it damages the consumer’s credit for years and many people would do almost anything to avoid bankruptcy, it’s sometimes the best and fastest way for a debtor to recover from financial hardship. It’s not a decision to make lightly, but it’s also an… Read More

How Much Is Too Much to Spend on a Car?

Auto Loans

How Much Is Too Much to Spend on a Car?

How Much Is Too Much to Spend on a Car?

Everyone overspends from time to time, but when it comes to big purchases, like a home or vehicle, something that seems like an exciting splurge could end up devastating your finances. The question of, “How much is too much?” is quite personal. To say that you should only spend a certain percentage of your income… Read More

Still Paying Off Holiday Debt? How to Make a Plan

Managing Debt

Still Paying Off Holiday Debt? How to Make a Plan

Still Paying Off Holiday Debt? How to Make a Plan

Outstanding credit card debt increased by $29.2 billion from November to December 2014, reflecting the typical spending frenzy that comes during the holiday season (for comparison, it jumped only $8.2 billion from October to November, according to Federal Reserve data). Of course, a surge in credit card debt is something that can last long after the… Read More

I Paid $450 to Save My Goldfish’s Life

Personal Finance

I Paid $450 to Save My Goldfish’s Life

I Paid $450 to Save My Goldfish’s Life

A man in Norfolk, England, reportedly paid more than $450 (300 British pounds) to have his pet’s digestive issues surgically resolved. The pet, which went unnamed in the news report from the BBC, is a goldfish. The owner noticed his fish was in poor health and brought it to Toll Barn Veterinary Centre, the BBC… Read More

4 of the Weirdest Reasons People Have Gone Into Debt

Managing Debt

4 of the Weirdest Reasons People Have Gone Into Debt

4 of the Weirdest Reasons People Have Gone Into Debt

For more than a decade, I’ve worked in the field of debt resolution, helping thousands of people overcome their debt issues. Most clients come to me in debt due to what I would call “typical” reasons for falling into debt. This includes loss of income or unexpected medical issues in the family, which become difficult… Read More

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