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.
If you’re feeling like you’re spending more money than you should, you’re looking for a way to save money fast, or you need to stretch your money to the next paycheck, a spending freeze could… A Spending Freeze Can Help You Meet Your Financial Goals
Many of the companies you have accounts with regularly send your account activity to the credit bureaus. Then, businesses that you want to have an account with you check your credit report to determine whether… What Your Credit Report Reveals About You
Purchasing a home has long been considered an essential part of the American Dream. That dream can turn into a nightmare in a matter of weeks if you purchase a home before you’re ready. Wondering… 4 Signs You Aren’t Ready for a Mortgage
Credit and debit cards make it so easy to make purchases, but they also make it easy to overspend. You can go on shopping sprees without ever leaving the comfort of your home. You can… Watch Out for These Five Dangers of Overspending
Your rewards redemption options will probably include a statement credit. You might consider choosing a statement credit over other options to help reduce your debt without making extra payments. How Do Statement Credits Work The… Is a Statement Credit the Best Way to Use Credit Card Rewards?
When you start missing payments on your bills, you’ll begin receiving calls and letters asking you to pay for the debt. Depending on how late your payments are, this contact could come from one of… The Difference Between Debt Collectors and the Original Creditor
While some Americans loathe tax season because of what they might owe Uncle Sam, many others wait for their tax refunds like children on Christmas Eve. If you’re due a refund this year, don’t blow it.… 5 Dos and Don’ts for Spending Your Tax Refund
One of the best moves to make when you’re preparing for a home or car purchase is to shop around for the best interest rates. A lower interest rate results in a lower monthly payment… How Will Loan Shopping Affect Your Credit?
Some people experience major setbacks that lead to financial instability. Unfortunately, for people who are always broke, the root of the problem is in their own decisions and habits. If you don’t want that person to be you,… 5 Bad Habits of People Who Are Always Broke
There are dozens of great credit cards out there, especially in the rewards and no interest categories. It’s fairly easy to whittle your options down to two similar and great credit cards, but picking one… How to Pick Between Two Great Credit Cards