Author Archives: Guest Poster

Working your Way out of a Bad Credit Situation

If you are struggling with bad credit, take some comfort in the fact you are not alone. Recent statistics suggest that 25% of all Americans are in a bad credit situation. Do not despair though, as there are many ways you can rebuild your credit score. Using a credit card designed especially for bad credit,

The Wife’s Confusing View on Credit Cards

Post by The Wife I am not a huge fan of credit cards, but I am aware that sometimes they are necessary.  It has been trying but I have learned over time that a credit card doesn’t always have to equate to an uncontrolled amount of debt.  Credit cards can provide security in an emergency,

Is a Loan Ever a Better Option than a Credit Card?

Are you faced with the need to make a big purchase for a much needed item? Do you have the readily available funds to make the purchase? If it is an unexpected expense, then few of us have the cash and so need to look at another payment method. Perhaps you have to pay for

When High Interest Loans Are a Scam and When They Are a Savior

They don’t call them loan sharks because they play fair. Predatory lenders are notorious for their ingenious ability to prey on people who often find themselves in the position where they need a big cash injection days or weeks before payday. They use the simplicity and the access to lure many folks into repayment plans

Spending vs. Saving

One of the most common questions people face today in the area of personal finances is whether it is better to enjoy your money today, or save for tomorrow.  It often feels like the experts are suggesting that you must choose one or the other and that there is no compromise. However, this is not

How To Choose A Credit Card For Newbies

Choosing a credit card for the first time can be a confusing and bewildering process. What should you look for? How do you make the best credit card choice for you? There are so many credit cards – Visa, MasterCard, American Express, Discover – and the wrong choice can cost you a lot of money.