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Keys to Paying Off Credit Card Debt
You might consider your credit card debt under control, but financial guru Dave Ramsey bluntly disagrees. Carrying a balance no matter how small is financially unsound, he says. There’s no point in it....
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How’s Your Credit Rating?
Anyone who has a credit card or has applied for a loan has a credit report, and if you’ve ever failed to make a timely payment, defaulted on a lease, had a lawsuit filed against you, or any other...
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Maintaining Good Credit
Your credit rating affects more than your finances and your ability to secure a loan at the best possible interest rate. Property and casualty insurers sometimes use credit scores to predict risk...
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Tips to Improve Your Credit Score
Your credit score has a significant impact on your financial life, influencing your mortgage and credit card interest rates, insurance rates and even employment opportunities. According to the Fair...
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Dos & Don’ts of Buying Gift Cards
Americans are expected to spend about $25 billion on gift cards this holiday season, according to a report by Archstone Consulting. It’s no surprise that the cards are so popular: They are...
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Tips for Choosing a Credit Card
New rules for credit card companies that took effect this year provide some protections for consumers, but its still important to comparison shop before choosing a new credit card. Choosing the right...
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Money-Saving Mortgage Tips
Mortgage rates vary depending on the current economy. A strong economy brings about higher loan interest rates, while a weaker economy sees lower loan interest rates. When loan interest rates dip, it...
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Should You Refinance Your Home?
Refinancing your home may be a way to lower monthly mortgage payments and reduce the amount of interest you will pay over the life of the loan. However, before you begin the refinancing process, you...
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What Is APR?
Most people will need a loan for one reason or another, at some point during life. Loans these days are complex banking instruments that can often be difficult to comprehend. The APR is designed to...
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How to establish good credit with no credit
One of the most important aspects of getting started on the right foot in life is to establish good credit. Having good credit from the very beginning of your credit history can literally save the...
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How to Lower Your Credit Card Interest Rate
Although credit cards are generally seen as evil because they lead to large amounts of debt, they can actually be a valuable purchasing tool to have when you use them correctly. Regardless of how...
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How to Get Your Free Credit Report
Your credit history is something that can affect many different areas of your financial life. It can determine whether you get approved for financing, and can impact how much you pay in interest. It...
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5 Tips for Dealing with Debt Collectors
The best way to deal with debt collectors is to avoid them altogether, but that is not always possible. If you have been unable to work out a reasonable payment plan with the original creditor, you...
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6 Credit Rules to Follow
Credit is difficult to establish and easy to harm. Every consumer must follow six rules to keep their credit score high. 1. Keep an Eye On Your Credit Score: Review your credit report annually to check...
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Four Steps For Getting Rid of Debt
If you find yourself struggling to get out of debt, the frustration in doing so is often overwhelming. Many people struggle with debt problems, and there is a lot of misleading information around that...
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Payday Loans: What’s the Catch?
Although payday loans are usually much more convenient and expedient than the traditional loan process, there are a few disadvantages that a borrower must consider before he or she takes the plunge and...
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Why is Some Debt Considered Good?
What is good debt? Most people think that all debt is bad debt, but this isn’t true. Some debt is good, healthy debt, and it depends on a few different factors whether it can be considered good or bad...
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How to Deal With a Parents Debt
CNBC contributor Carmen Wong Ulrich answers questions from iVillage readers. This time she explains how to deal with a family member’s debt.
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Is Debt Consolidation a Good Idea?
Do you ever feel like all you do is work and work and you still never have any money? If so, debt consolidation is potentially the perfect answer for you. Nothing is more frustrating than to come home...
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Should I Pay Off My Car Loan First or My Student Loans?
Question: I need some help. I have outstanding student loans and a car loan I’m paying off. Which should I pay off first, my car loan or my student loans? My interest rate on my car loan is 8% and...
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