Getting your tax refund check might be the biggest payday you get all year. When the money arrives, most people feel inclined to use it for a major purchase or take a luxury trip. But keep in mind: this money was yours all along. Getting a refund means you overpaid in taxes and are claiming […]
If you don’t have enough money to cover your tax bill come April 15th, don’t freak out. Late payments to the IRS only affect your credit score if you don’t address the issue within 30 days or more. The best thing to do is to speak with the IRS and negotiate an affordable payment option or […]
3 easy ways to build credit fast are a must. Whether you’re buying a home, a car, or going back to school, you’ll probably need a loan which means you’ll definitely have to worry about your credit score. If you have a high credit score (700 or higher), you’re more likely to receive low interest […]
Paying off student loans is never a pleasant process, especially if you have a high interest rate, loan life, or monthly payments. Just ask the 44 million debtors in America who owe over $1.48 trillion in student loan debt. As depressing as those numbers look, at least you’re not alone! Millions of Americans are struggling […]
According to the seemingly-innocent envelope sitting on your kitchen table, you’ve been pre-approved for a new credit card. The bold type, flashy colors, and excited exclamation points lure you into a daze. You are The Chosen One. Obviously, the credit card gods have singled you out as someone worthy of high rewards and low fees, […]
At over $1.4 trillion, student loan debt in America is right up there with mortgage debt in the category of Things We Wish We Could Live Without. However, if you have a student loan or are considering applying for one, don’t be scared off by statistics! Student loans are annoying and frustrating and expensive, yes, […]
Whether you’re new to the soul-sucking credit realities of adulthood or simply trying to improve a bad credit score, you might want to check out a secured credit card. 1. What is a secured credit card? These specialized cards, great for building credit, require a down payment up-front, usually in the form of a cash […]
This article will be the first in a 3-part series about buying cars with bad credit. Here, we tackle the what you need to do before you buy a car—primarily, that you successfully apply to and are approved for an auto loan at a decent interest rate. Before reading on, however, keep in mind that […]
Another new year, another round of tax refunds—everybody’s favorite topic! The average tax refund check is around $3,000 which is enough for a shopping spree, a week’s vacation, or (even better) a higher credit score. Obviously, this last course is the one we suggest and probably the one you’re considering—why else would you be reading […]
