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Author Archives: Guest Post

What to Do With an Extra $1,000

get out of debt

Having an extra $ 1,000 in your bank account can seem like a small windfall that can easily be spent. A quick vacation, expanded wardrobe or a few fancy dinners out can deplete that extra $ 1,000 in a few months. But long-term savings can turn that extra $ 1,000 into thousands more, protecting you in retirement, as an emergency ... Read More »

    The Real Savings of Making Coffee at Home

    get out of debt

    It’s almost as much of a savings cliche as checking out books at the library instead of buying them: Making coffee at home is a big money saver over going to Starbucks. It seems like a no-brainer that making coffee at home is a lot less expensive than paying someone else to make it for you, whether that’s at Starbucks, ... Read More »

      The One Graph That Explains Why a Good FICO Score Matters for Homebuyers

      Urban-Institute-FICO-Score-distribution

      When it comes to buying a home, there’s a lot more to the process than just finding an affordable home for sale and having enough money for a down payment. Most people need loans to finance such a large purchase, but even as the housing market has rebounded from the foreclosure crisis and low property values of 2010, mortgages remain ... Read More »

        9 Essential Steps for Financial Survival

        financial-survival

        Managing your money well doesn’t have to be a complicated process, and you don’t have to earn a degree in finance to learn how to be financially savvy. It is absolutely possible to live a comfortable, financially fit lifestyle, and it’s a worthwhile endeavor for obvious reasons. There are several essential tools that financially successful people employ, and if you ... Read More »

          There’s No Such Thing As a Free House, Even When You Win the Foreclosure Battle

          get out of debt

          Some homeowners are emerging from the housing crisis with “free houses,” according to a recent article in the New York Times. According to the article, some homeowners are seeing the foreclosure cases brought against them dismissed because lenders missed key deadlines or because the statute of limitations has expired (here’s a nifty guide on states’ statutes of limitations on debt ... Read More »

            5 Money Tips for Vacationing With Friends

            get out of debt

            You love hanging out with some compatible friends or families and you both love to vacation. Why not go on a joint vacation? It can be tricky to navigate trip-planning and financing with others, but you also have the potential to enhance your experience and even save some money. Communication is obviously key to a successful joint vacation, but here ... Read More »

              Should You Keep Donating to Charity if You’re Broke?

              To get the real answers, do the math and listen to what it has to say. Math does not lie.

              As chairman of Debt.com, I answer many reader questions about money. However, those questions often involve…love. That shouldn’t surprise anyone who knows that couples fight often about money. I’d guess that half my questions fall into this category. Here’s one I just received the other day: Question: My wife and I are finally trying to buckle down and fix out ... Read More »

                Florida Man Allegedly Memorized Credit Card Numbers to Commit Fraud

                get out of debt

                An Orlando-area homeless man is accused of using stolen credit card information to stay at a number of hotels, including Disney World resorts, reports FOX 35 Orlando. Investigators say Jeffrey Hawkins, 52, is skilled at memorizing credit card numbers and recalls that information to book his stays. He was charged for similar schemes in 2010 and 2012. The situations in ... Read More »

                  Parents: How to Start Planning for College

                  get out of debt

                  Too many parents make the mistake of waiting until the fall of their child’s senior year to start thinking about college. However, by waiting, your child could miss out on a number of opportunities that could end up costing your family thousands of dollars in missed financial aid and scholarships. Ideally, you should have started planning at the start of ... Read More »

                    10 States With Stubbornly High Foreclosure Rates

                    get out of debt

                    Foreclosure activity in the U.S. was at an eight-year low in the first quarter of 2015, despite an increase in activity in March, according to the most recent foreclosure report from real estate data company RealtyTrac. The number of residential properties with a foreclosure filing — default notice, scheduled auction or bank repossession — decreased about 8% from the first ... Read More »

                      How Your Budget Can Help You Build Credit

                      get out of debt

                      The building blocks of a healthy financial life are all tied to your budget — how much money is coming in, going out and where is it being used? Answering those questions and creating a budget that works for you can have a ripple effect on the rest of your finances. Specifically, a good budget can help you maintain of ... Read More »

                        Reducing the Cost of Attending an Out of Town Wedding

                        get out of debt

                        You knew your best friend’s son was getting married, but when the “Save the Date” card arrived, it was a reminder to make plans to attend. According to the Huffington Post (May 2013), it costs about $ 539 per guest to attend a wedding for clothes, gift, and incidentals. But you live in Springfield, Illinois and this wedding is in ... Read More »

                          12 Ways Tulle Can Reduce the Cost of Your Wedding

                          get out of debt

                          You’re over budget. Your summer wedding is around the corner. Staying within a budget is stressful, and decorating is costly. What can you do? You need a helpful, economical plan. Curb the worries by incorporating tulle, a great decorating resource that’s been around for years. DIY brides love its versatility and value. Even for the novice decorator, tulle is easy ... Read More »

                            11 States Where Employers Can’t Check Your Credit

                            get out of debt

                            In most of the country, a potential employer can review your credit report when evaluating you for a job you applied for, and it’s a very controversial practice, to say the least. There’s a growing movement to restrict these credit checks, and on May 6, New York City Mayor Bill de Blasio signed a law preventing most employers from requesting ... Read More »

                              How I Kicked My Fast Food Habit & Saved Big Bucks

                              Eddie-vidmar-before-and-after

                              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 »

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