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Credit Card Debt

3 Things People With Bad Credit Need To Know | Posted 04.29.2015 | Money

It's not the end of the world if you have bad credit. Actually, millions of Americans have credit that's rated below average. While it's not something you might be proud of, it's important to know that there are some ways to make it better.

How Long Will It Take the Average American to Pay Off Credit Card Debt?

Simple. Thrifty. Living. | Posted 04.29.2015 | Business
Simple. Thrifty. Living.

Answer this question honestly -- do you pay extra on your credit card bills, or do you stick to minimum payments every month? If you're like most people, it's probably the minimum.

6 Things to Think About When Spending Your Tax Refund

Steve Siebold | Posted 04.16.2015 | Money
Steve Siebold

The IRS tax filing deadline is this week, and the average refund so far has been about $3,500. The question is: what should you do with that refund? The truth is, a tax refund can be a lifesaver for some, but can cause more trouble for others.

5 Signs You Are Financially Overextended

Simple. Thrifty. Living. | Posted 04.07.2015 | Business
Simple. Thrifty. Living.

Poor money management is the number one reason consumers experience debt disasters. If you suspect you might be on the brink of a financial disaster, here are five tell-tale signs that you need to make some serious financial adjustments.

How I Got Over My Fear of Finances (and You Can Too)

GoGirl Finance | Posted 04.03.2015 | Money
GoGirl Finance

One night I grabbed a glass of wine, put on music and set out all my bills on my dining room table so I could write out my monthly expenses in a notebook. I always knew the rough amount of my expenses but had never compiled them together all in one place before.

Financial Literacy Month? Don't Be Fooled

Ralph Nader | Posted 04.01.2015 | Politics
Ralph Nader

Why isn't financial literacy education working? Because financial literacy education is largely funded by the very same businesses that prosper when young people make poor money decisions -- big banks, credit card companies and other huge financial industry businesses.

How One Woman Went From $50K In Credit Card Debt To $50K In Savings | Posted 03.28.2015 | Money

When Julie Berry's personal and professional lives were falling apart, if someone had told her that everything would be OK -- better than before, even -- she probably wouldn't have believed it.

Is A Debt Settlement Worth It?

Simple. Thrifty. Living. | Posted 03.26.2015 | Business
Simple. Thrifty. Living.

Debt settlement companies can be helpful, but consumers should learn about how these services work before making any agreement. Here's what you need to know to determine whether debt settlement is right for you.

4 Common Credit Card Mistakes To Avoid

Robert Harrow | Posted 03.26.2015 | Money
Robert Harrow

While building up a credit score and credit history is ingrained in virtually every American today, we are seldom presented with information that can make the tasks at hand less perilous. Below is a simple list of mistakes to avoid as you use credit cards.

Credit Agencies To Go Easier On Medical Debts

Shindy Chen | Posted 03.24.2015 | Money
Shindy Chen

Around 43 million Americans have past due medical debts on their credit reports, according to a December 2014 report by the Consumer Financial Protection Bureau (CFPB).

Good Credit Takes LUCK!

Jeanne Kelly | Posted 03.17.2015 | Business
Jeanne Kelly

You may be surprised to hear me say this, but LUCK is all you need this St. Patrick's Day to keep your credit healthy. L.U.C.K. as I define it. As you know, maintaining healthy credit is not an accident, it's intentional and it takes work.

What's The Best Way To Consolidate Debt? | Posted 04.29.2015 | Money

Studies released by Urban Institute in July 2014 showed that 35 percent of Americans -- roughly one out of three -- are so behind in their finances that they have debt in collections. Many people become overwhelmed by their debts, but they don't have to be.

And the Oscar Goes To... You, for the Best Picture of Healthy Credit

Jeanne Kelly | Posted 04.22.2015 | Business
Jeanne Kelly

Building healthy credit and maintaining it may not be as glitzy and glamorous as a stroll down the red carpet at the Oscars, but it is an important part of writing and starring in your own healthy financial future.

Dear Dad, Why Did You Let Debt Kill You?

Jeff Rose | Posted 04.07.2015 | Money
Jeff Rose

According to his death certificate, my dad died of myocardial infarction, otherwise known as a heart attack. We thought there wasn't much any of us could have done. In retrospect, there was one area where I might have been able to help, though at the time I didn't think about it in those terms.

Play the Credit Game By Deflating Your Credit Card Debt and Win

Jeanne Kelly | Posted 04.01.2015 | Business
Jeanne Kelly

Just as in football, there's not only one way to win, but doing lots of things right, time after time, you will win. The same is true for building and maintaining healthy credit.

New Year's Hangover Cures for Your Credit

Jeanne Kelly | Posted 03.03.2015 | Money
Jeanne Kelly

Many Americans will wake up on New Year's Day nursing not only a headache from overindulging on New Year's Eve, but also worries about holiday bills that will arrive in January.

Want to Improve Your Credit and Your Health in 2015? Here's How

Jeanne Kelly | Posted 03.02.2015 | Business
Jeanne Kelly

Ahhh....the New Year, a great time to wipe the slate clean and make a fresh start! What would you like to change this year? For many of us, following the holidays the first change we'd like to make is the number on the scale.

How to Control Money and Holiday Spending

Dr. Patty Ann Tublin | Posted 02.07.2015 | Business
Dr. Patty Ann Tublin

How to control your holiday spending.

Avoid These Three Credit Mistakes That Will Steal Your Joy This Season

Jeanne Kelly | Posted 02.03.2015 | Business
Jeanne Kelly

Although I love this time of year for the time spent with family and friends around cozy fireplaces and dinner tables, I dread it for the post-holiday havoc it will play on the credit lives of many Americans.

11 Habits of Debt-Free Happy People

Amandah Blackwell | Posted 01.21.2015 | Money
Amandah Blackwell

How do I know this? Because I've been immersed in the health and wellness and personal development world for a few years and learned that good habits formed early in life can serve you now and in the future.

Freaking Out About Graduating? Don't.

Erin McKelle | Posted 01.19.2015 | College
Erin McKelle

Graduating from college affords you the luxury of living your dreams. Yes, it requires some hard work and perseverance but I promise you, your destiny is within reach.

Holiday Blues: 5 Ways to Beat Holiday Overspending

Amandah Blackwell | Posted 01.18.2015 | Business
Amandah Blackwell

Have you ever stood in line, waiting to pay for Christmas gifts only to be told your credit card has been declined? Or maybe you didn't have enough cash with you. It's embarrassing.

Credit Card Debt: 12 Common Debt Habits That Lead to Financial Ruin

Amandah Blackwell | Posted 01.10.2015 | Money
Amandah Blackwell

The reasons for credit card debt vary from person-to-person. But there are some common debt habits that can lead to credit card debt and cause it to grow instead of shrink. Likewise, there are ways you can break free from the clutches of credit card debt.

Federal Reserve Policy Keeps Fracking Bubble Afloat and That May Change Soon

Steve Horn | Posted 01.04.2015 | Green
Steve Horn

But even with the generous cash flow facilitated by the Fed, annual productivity of many shale gas and tight oil fields have either peaked or are in terminal decline.

Get Out Of Credit Card Debt -- With A Little Help From Your Peers

Shindy Chen | Posted 12.28.2014 | Money
Shindy Chen

It's the revolutionary multi-billion-dollar industry nobody's heard of, and it's killing credit card debt for hundreds of thousands of consumers. It's not only disrupting, but completely undressing the traditional credit model.