Maybe you missed a few payments at a stressful time in your life, or ran up high credit card balances during your freshman year of college without realizing you had no way to pay. Or, bills for emergency medical treatment weren’t covered by insurance and went to collections. We all make mistakes, and I’m sure [...]

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Tough economic times don’t have to mean holing up at home watching re-runs on public television channels, especially during the summer months. With a little bit of creativity, you can turn your frugality into priceless memories with family and friends – and leave a little extra in the bank. Check out a few of our [...]

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Buying a home is one of the most exciting – and stressful – milestones in life. You want the perfect yard, the old-world touches. Hardwood floors or wall-to-wall carpet. It’s not just a logical search; it’s a rare person who can make a purchase of this magnitude without attaching some emotion to it.
Let’s put [...]

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If you’re thinking: “Not an article on … household budgeting. Ugh!” consider this: some people actually like household budgeting. And you might be one of them and just not know it yet.
Here’s the thing: a household budget isn’t a bad thing, especially during uncertain financial times. In fact, the opposite is true. household Budgeting [...]

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You’ve already cut your spending by bringing your lunch and your coffee from home. You only eat out once every two weeks and reduced your cell phone plan to the bare minimum. Maybe you’ve even started line-drying your clothes and buying generic groceries. If you still can’t make ends meet, or you want a little [...]

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Household savings rates have plummeted over the last few decades, which makes you wonder – what are we teaching our children about saving? It often seems as though more children have cell phones than college savings accounts. But it’s never too early to start saving.
The key to teaching young children about saving is easy: make [...]

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Today is vocabulary day. The financial world has its own language, and many of those terms can be very confusing. So let’s take a look at some frequently-used terms that could be very important to you.
1. Adjustable Rate Mortgage (ARM)
ARMs are home loans with interest rates that are reset periodically. These mortgages usually have an [...]

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Credit reports, credit scores, credit rating – who would’ve thought that these numbers and files could have such a huge influence over your life and, dare I say it, your happiness and success? Your credit record can affect your ability to buy a house or get a job. It can raise the rate you pay [...]

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You’ve heard the talk lately about low interest rates. And, where there’s talk of low rates, there’s also talk of refinancing. You may even be considering refinancing your own mortgage. Is refinancing a good option for you? And what exactly does it entail?
Refinancing is when you take out a new mortgage to repay your [...]

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According to an article in U.S. News and World Report earlier this year, the average household with at least one credit card had a balance of over $10,000. Unfortunately, if you were to ask most people what they’d spent that $10,000 on, you’d probably get a lot of stammering and confused looks. That sushi dinner [...]

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