LaToya Irby is a full-time freelance writer and a graduate of the University of Alabama. She primarily writes about personal finance, freelancing, and other self-employment topics.
Many people have made the mistake of thinking building a good credit score requires that you go into debt, but that’s not actually true. Unfortunately, charging up high balances in an attempt to build your… How to Build a Good Credit Score Without Racking Up Credit Card Debt
One of the hardest parts of creating a budget is figuring out how much money you should spend on all your expenses. What’s the right amount to spend on housing? Or transportation? Or entertainment? Having… How the 50/30/20 Budget Works
The more complicated your finances are, the harder it is to keep up with everything. You’ll spend more time and effort trying to manage complicated finances and the stress of dealing with your finances may… 5 Ways to Simplify Your Finances
Many people choose credit cards and loans based on the features, benefits, or the monthly payment, but there’s a more important factor to consider – the APR. This number tells you how much you’re actually… Why The APR is the Most Important Factor In Borrowing
Coming up with a solid budget is tough even when you have a regular income from a job or business. Budgeting a fluctuating income can be even more difficult because you can’t be sure how… Five Tips for Budgeting a Fluctuating Income
Filing bankruptcy can affect your credit more than almost anything else, but that doesn’t mean you should avoid bankruptcy if it’s the best solution to get your finances back on track. Bankruptcy can be the… Getting Your Credit Back on Track After Bankruptcy
Debt collectors do several things to try and collect debts from you. If you’ve ever had an account in collections, then you’re already aware of the phone calls, letters, and placing the debt on your… Why Debt Collectors Check Your Credit Report
Rewards credit cards hard to resist. Credit card issuers are constantly improving their rewards programs, offering bigger signup bonuses and more opportunities to earn. Even if you’re not on the market for a new credit… 6 Signs You Don’t Need a Rewards Credit Card
Your credit score is an important number to keep up with, especially if you have a major loan coming up. For example, if you’re planning to buy a house or car in the next few… What Things Can Make Your Credit Score Drop
If you’re dealing with multiple debts on your credit report or you’re getting calls and letters from debt collectors, you may wonder if the debt is still valid. Debts generally don’t “go away” just because… How Long is Debt Valid?