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Author Archives: Guest Post

The Dollar Store Experiment: 10 Products Put to the Test

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CHICAGO — As I write this story, I’m stuffing my face with delicious, inexpensive popcorn I purchased from a dollar store. I don’t usually shop at such stores (in fact, I can’t remember the last time I was in one prior to my trip last week), but as a generally frugal person, I found myself curious about the sort of ... Read More »

    5 Lessons I Learned from Working Low-Wage Jobs

    get out of debt

    It’s been a while since I worked in a job that would be considered “low-wage,” but that doesn’t mean I don’t remember what the low-wage lifestyle was like. Quite the contrary, really. I actually remember exactly what it felt like to be broke until payday, struggling to come up with money for anything extra – like birthdays, clothes, and even ... Read More »

      5 Common Money Fights Couples Can Avoid

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      Relationships almost always come with their fair share of disputes, but fighting about money can be another animal entirely. Managing joint finances is rarely easy, but keeping the lines of communication open can go a long way. Take a look at the most common money fights couples have and consider which strategies can help you avoid repeating the same arguments. ... Read More »

        The Real Reason Why Bank Fees Keep Going Up

        handing_over_money

        Are you sick of big banks charging never-ending fees? If so, don’t be too mad at the banks, as they might not be the only ones to blame. According to Yahoo Finance, the hike in bank fees is actually an effect from increased bank regulation imposed by the Federal government. Federal Government Regulation Impacts Bank Fees During the 2008-2009 financial ... Read More »

          4 Creative Uses for a Home Equity Line of Credit

          heloc

          Your aspirations of becoming an artist, a small business owner or a start-up maven might quickly sour after you find out how difficult and expensive it can be to obtain funding. What many people don’t consider before dashing their plans, however, is that they might be sitting on a goldmine of an asset — the equity in their own homes. ... Read More »

            Could I Owe Taxes on College Scholarships?

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            Paying for college isn’t getting any cheaper, so in order to avoid going into unaffordable education debt, families and students either need to save more money, go to less expensive schools or find someone else to pay for it. There are hundreds of thousands — maybe even millions — of scholarship opportunities out there, but receiving monetary awards can do ... Read More »

              7 Mistakes to Avoid When Refinancing a Car Loan

              girl_with_car_keys

              At this point, you can either stick it out or take another turn such as refinancing your auto loan to save cash. But be careful what you wish for. Jump into a new loan too hastily, and you’ll end up repeating the same patterns from before — a surefire bad money move. Before going in for a new car loan, learn what ... Read More »

                28 Savings Hacks for Kohl’s Shoppers

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                Kohl’s is famous for its steep markdowns and constant sales, but smart and savvy consumers can uncover ways to save even more at this discount store. Between stacking coupons and decoding the price markers, we’ve rounded up 28 of the best tips and tricks to scoring big savings year round at Kohl’s. Related: Top 10 Stores With the Best Return Policies 28 ... Read More »

                  The Pros & Cons of Rent-to-Own Home Deals

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                  That age-old question when choosing a place to live of rent versus buy actually raises a series of questions. What can you afford? What makes sense for your situation? Can’t I just live with my parents forever? No matter which aspect plagues you most, it seems there is actually a middle ground. Once you know how much house you can afford ... Read More »

                    Could Social Media Be Causing You to Overspend?

                    social_media

                    Social media has exploded. It is a multi-million dollar industry with ordinary people becoming overnight sensations and companies cashing in on people’s apparently insatiable need to constantly be connected. It is a vital connection to loved ones serving overseas and to keep in touch with family and friends. The many different platforms have enhanced our lives by making us feel ... Read More »

                      How You Can Get a Mortgage With a 550 FICO Score

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                      Mortgage credit remains extremely tight, even as the economy continues to recover from the recent housing crisis and recession. About 90% of mortgages originated in 2013 went to borrowers with FICO credit scores of 660 or higher — about 60% of all mortgage borrowers had a credit score greater than 720, according to a recent report from the Urban Institute. ... Read More »

                        Why Homeowners Are Paying Off Their Mortgages Before Student Loans

                        mortgages_vs._student_loans

                        After years of struggling to shake off the stigma it earned from its part in the housing market downturn, it looks like mortgage lending might finally be repairing its image. A recent report from the New York Federal Reserve indicates that mortgages and home equity loans are experiencing lower delinquency rates than all other forms of consumer debt, compared to ... Read More »

                          4 Millennials Share How They Maximize Cash-Back Rewards

                          cash_back_rewards

                          Millennials might just be the most financially savvy generation — at least when it comes to credit card perks. According to a recent survey, two groups of people overwhelmingly choose cash back as their credit card reward of choice: millennials and the wealthiest people in the country. Two-thirds of millennials joined the country’s elite in choosing cash back, as opposed ... Read More »

                            4 Emotions That Can Cost You Money

                            get out of debt

                            We all get emotional – it’s human nature. The trouble sometimes comes when our emotional side overrules our rational side for money matters. Check out some of the common ways emotions can hurt your finances, discover if you are an emotional spender and how to combat the problem. 1. Jealousy It is easy to become bitter when we see other ... Read More »

                              How Racking Up Rewards Points Scored Me $195K Worth of Vacations for Only $14K

                              rewards_points-_learnvest

                              This post was originally contributed by Daraius Dubash, as told to Meghan Rabbitt for LearnVest. In our Money Mic series, we hand over the podium to people with controversial views about money. These are their views, not ours, but we welcome your responses. Today, one man gives us the scoop on how he’s used credit card rewards to take international trips totaling $ 195,000 — ... Read More »

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