6 Credit Myths that should be Dispelled Right Now

While credit plays an important role in our lives, it’s still surprising how little some people know about it. Many myths are still floating around about credit that might seem to make sense at first but could end up ruining your credit instead. By understanding how credit works, you won’t only be able to maintain or improve your credit, but you can also increase your chances of getting financing in the future. Here are some of the most common myths and misconceptions about credit and the t...

Every business has different needs when it comes to insurance. However, no business should take the risk of not investing in an affordable and complete insurance plan to cover any unexpected expenses. From workplace accidents to natural disasters, there’s a lot that could happen at any moment. Preparing in advance will help you attain peace of mind knowing that your investment is protected. The cost of vehicle accidents, property damage, theft, lawsuits, and countless other potential ri...

Consumer spending in America hit 14.1 trillion dollars during quarter three of 2018. How we spend plays a big role in how we save. If you want to accumulate wealth, looking at the freshest shopping trends will help you to understand how others save money by changing their own shopping habits. The hottest trends in shopping are purchases made via mobile devices, pop-up shops and automated subscriptions. These trends show that consumers are looking for deals that might be hard ...

Two years ago, you couldn’t even imagine selling out this super cool vehicle that you loved driving around. But soon after driving it for six months or so, you realize that this doesn’t really fit your lifestyle. The rides are fancy no doubt, but issues such as difficulty parking at a public place or fitting in your entire family within, make it quite impractical. Not to mention, the high maintenance cost is totally messing your monthly budget. That is when you finally decide that it’s time to p...

A Guide to Making Your Next Promotion Profitable

Making the move between job roles is ever-popular in America. According to statistics reported by CNBC, 64% of Americans spend under two years in any given job. However, while the pay might be better in a new role, this doesn’t mean you’ll necessarily end up with more in your pocket. The fact is, shifting jobs upsets a number of factors that contribute to your overall financial health. Making a career change should, of course, be beneficial for you in terms of career progression and your overal...

4 Smart Money Moves You Should Implement

How often do you find yourself on the internet looking for ways to save money and get out of debt? Chances are, you’ve either searched or thought about it. Debt can control your life and make it hard to do just about anything. There’s no quick fix really to getting out of debt and living a financially comfortable life (unless you inherit a large amount or win the lottery). However, by implementing small changes into your day-to-day life, you could see yourself attaining that financial freedom...

Complete Guide to Student Loans

Student loans are an integral part of the higher-education financial aid structure. They come from different sources and can be paid at different rates, in different times, and under varying conditions. Although its a point of controversy, student loans, especially federal and institutional loans, are a crucial mechanism to obtain the financial resources to go to college.They are almost certainly a part of most comprehensive aid packages, and should therefore be thoroughly understood and explore...

Property Investments And Long Term Gain

Last year, RealtyShares conducted a survey to find out how much Americans actually knew about real estate investing. The result was that 40% of the people polled had no idea how much real estate returns on investment. If more people knew the benefits of owning a few properties, there may be more wealth to distribute within the economy. Purchasing property is a smart move, especially when it holds the promise of a continued payoff. Know the benefits of property purchases and long-term gain before...

Dealing With Financial Stress For Better Health

Financial stress is a huge problem in the United States and it is causing stress-related ailments. Based on statistics from the American Psychological Association, 72 percent of Americans are stressed about finances. In a separate study, about 90 percent of individuals struggling to pay off debts go to their doctors to treat life-threatening conditions. With credit card debt at an alarming $1.02 trillion in 2017, the stress is unlikely to go away that fast. Experts note that the debt burden i...

Why You Need a Budget More Than a Side Gig

Being in the personal finance space for several years, we have heard all sorts of money advice. One particular piece that keeps popping up is the tip to get a side gig. Need to pay off debt? Start a side hustle. Can’t afford your bills? Make some money on the side. Want to cure cancer? Okay, just kidding, but you get the point. While I am not against getting a side job, I don’t think it is the best way to fix a broken budget. Earning $500-1,000 extra a month is not going to transform y...

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