Save Money On Utility Bills With These 6 Tips!

When it comes down to the essentials, you can’t get much more essential that heat, water and light, and unless you live in Alaska or someplace similar, air conditioning in the summer. But while your utilities may be absolutely essential, the amount you pay on your utility bills is not. There are a number of wa...

Your Credit-Related Rights and Consumer Protection Laws

When it comes to our legal relationship with credit card issuers and consumer loan agencies, it may feel like these mammoth companies hold all the cards. But in fact, there is an alphabet soup’s worth of state and federal laws designed to protect consumers of credit, along with another catalog of government ag...

Rainy Day Funds: Who Needs One?

The majority of Americans do not have an emergency financial fund, which most experts agree should equal six to eight months’ worth of expenses, saved up and stored away. Experts have estimated that close to half of Americans do not have appreciable savings beyond their next paycheck. This puts those people in...

Report Errors That May Be Silently Sinking Your Credit

Even people who avoid debt will likely need to take out loans at some point. While it’s a good idea to keep student loans, which cannot be discharged in bankruptcy, to a minimum, it will be hard to graduate at today’s tuition levels without taking on some, and if you get tired of renting, a mortgage will be ...

The Big Corporations’ Small Print That Is Picking Your Pocket

reading the fine print

Many of the obvious benefits that major corporations offer us are sometimes accompanied by fees that are not obvious at all. There are often hidden fees tucked away in the fine print of service contracts that only steely-eyed lawyers are likely to uncover. Because we realize that you would rather not surrender y...

5 Signs That You May Be Circling the Debt Drain!

Unless you do a strict accounting of your income and expenses each month, it’s not easy to clearly determine whether you are living within your means and remaining solvent. And if you have a mortgage and unavoidable expenses such as child care, you may have a daunting monthly nut even if you are maintaining fr...

Has Your Credit Been Sucker-Punched by Medical Debt?

While consumers can be penalized by credit bureaus for an imperfect payment record on their medical debt, they will not be rewarded for good payment behavior.  Medical payments, like utility payments, do not show up on your credit history when timely made, and therefore do not operate to bolster your credit. Mi...

The Five Worst Financial Blunders Out There

The celebrated American novelist Ernest Hemingway went bankrupt once during his career. When he was asked how it happened, he said, “Slowly at first, and then quickly.” We all know of other celebrity bankruptcies, and if financial calamity can happen to them, it can certainly happen to us. As a result, we ha...

What Can I Do To Lift My Credit Score Quickly?

It often happens that we go for a long period of time without needing credit. If you’re income is sufficient, and you are not making any major purchases or looking for a job (since employers may wish to check your credit history), months or years can go by without your credit score being an issue. But your cr...

What Millennial’s Need to Know about Their Credit

Millenials, or Generation Y, are enjoying their adulthood at a time when credit is ubiqitous. Whereas it wasn’t so long ago that credit cards were reserved for the wealthy and considered a sign of prestige, today it is common for people to carry around more than one different card. Yet despite this broader kn...

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