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Author Archives: Guest Post

Lisa Vanderpump and Other ‘Real Housewives’ Share the Best Money Advice From Mom

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Presents are generous tokens to give to your mom on Mother’s Day, but for many people, there’s no way to repay the level of guidance their mothers offer — especially when it comes to the financial lessons they teach. GOBankingRates reached out to some of the most well-known maternal figures today — mothers from Bravo’s “Real Housewives” reality TV series — to find out ... Read More »

    How I Kicked My Fast Food Habit & Saved Big Bucks

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    For Eddie Vidmar, fast food wasn’t just an occasional splurge, but rather a way of life. “The convenience of driving to the window and getting my dinner was often too hard to pass up. No clean-up, no dishes…. just eat your food and toss the garbage,” he says. “What I should have done was realized sooner that the food itself was ... Read More »

      Bank of America and JPMorgan Will Erase Zombie Debts From Your Credit Reports

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      Bank of America and JPMorgan Chase will be clearing consumers’ credit reports of “zombie debts” — outstanding debts that are still listed on a credit report despite being settled through bankruptcy — reports The New York Times. Theses credit report updates are to be completed within three months and will affect more than one million Americans. JPMorgan Chase and Bank of America Clear Zombie ... Read More »

        5 Steps to Buying a Home After Bankruptcy

        get out of debt

        In the past decade, the American Dream of owning a home has become more like the American Nightmare. With more than 7 million homes foreclosed over the past eight years and unemployment hitting record levels, buying a house has been the last thing on people’s minds. To make matters worse, perhaps you have had to file for bankruptcy and believe ... Read More »

          The Student Loan Realities We Can’t Ignore Anymore

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          An alternate view on student-loan payment performance data is challenging the prevailing narrative that tends to greatly downplay the problem. In his recent Wall Street Journal column, Josh Mitchell correctly observes that after accounting for the fact that only half of all student loans are actually in repayment (the other half are deferred because the borrowers are still in school), ... Read More »

            Beth’s Story: Can a Balance Transfer Help Me Get Out of Debt?

            get out of debt

            This is part two of my series about Beth, who is dealing with unaffordable credit card bills. In part one, I shared her detailed reader question, and I didn’t know her personal debt relief quest would turn into an online mini-book. In the first installment, I covered why consolidating credit cards without a dependable income is often not a good ... Read More »

              4 Best Things to Buy in May

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              When working on your monthly budget, it’s important to not only plan how you’ll spend your money on the items you need, but when. Specific items — whether it’s food, furniture or electronics — go on sale during certain times of the year, and knowing these dates can help you save money year round. Here’s What You Should Buy in May May ... Read More »

                8 Credit Cards With Freebies

                get out of debt

                People like receiving perks. Credit card issuers know this, and they offer all sorts of gifts and benefits to attract new customers in an extremely competitive credit card marketplace. Whenever you’re shopping for a credit card, you should thoroughly read the terms and conditions to make sure you’re comfortable with the terms. Your credit score will impact the interest rate ... Read More »

                  How to Prepare for a Baby on a Tight Budget

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                  I can’t help but roll my eyes every time I hear someone lament about how expensive it is to have a baby. Yes, it can be expensive, but it doesn’t have to be. Babies need a lot, but that doesn’t mean you have to go drop a few grand on all the fanciest baby gear the minute that little white stick ... Read More »

                    6 Tips for Buying Cheap Mother’s Day Flowers

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                    Florists around the country are scrambling as they deal with a flood of delivery orders and Mother’s Day 2015 preparations. The National Retail Federation’s (NRF) 2015 survey confirmed that behind cards (at 80 percent of respondents) flowers are the next-most purchased gift for Mother’s Day, with 67 percent of respondents planning for this purchase. Because of this high demand, finding flowers ... Read More »

                      ‘Sell In May And Go Away’ – Let The Statistics Do The Talking.

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                      ‘Sell in May and go away – Let the statistics do the talking.’ Every year about this time people are looking towards summer break. However, the summer break I’m writing about here is a different type. Specifically, a break from the stock market. ‘Sell in May and go away’ is a seasonal strategy for investing in the stock market. Unlike ... Read More »

                        Down in the Dumps? Your Credit Card Debt May Be to Blame, Study Finds

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                        A recently released study shows that people with credit card debt and overdue bills are much more likely to experience symptoms of depression than those who don’t have such debts, particularly if they are near retirement, unmarried or less educated. The more short-term debt a person had, the more frequently they reported feeling those symptoms. The research, published May 1, ... Read More »

                          5 Things Everyone Gets Wrong About Personal Loans

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                          Personal loans can be either a useful tool for managing your finances or an opportunity to dig yourself into a dangerous financial hole. The difference between the former and latter comes from understanding the nature of this type of loan and being able to identify the most common mistakes made by borrowers. Personal loans are short-term loans with a fixed ... Read More »

                            The Ultimate Guide to Saving Money at Starbucks

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                            As any lover of Starbucks will tell you, there is a real cost to a true caffeine addiction. With menu options that range from your basic drip coffee to elaborate espresso concoctions, or even choices that do not even contain coffee, America’s top purveyor of gourmet coffee drinks knows how to make money. Consumers often sabotage their savings by overspending and ... Read More »

                              1 in 10 Americans Don’t Have a Credit Score or Credit Report

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                              One in 10 U.S. adults is invisible to much of the American economy because they have no credit report or score, a new report by the Consumer Financial Protection Bureau has found. Those 26 million adults — disproportionately Black or Hispanic — have virtually no chance to borrow money or use credit cards. And another 19 million adults have credit ... Read More »

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