Spending Limits Are Important, Even When You’re Charging
Before going on a shopping trip, one of the first things you do (or should do) is figure out how much money you’re able to spend. You check your current account balance, consider what bills…
latoyairby
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.
Defining Your Long-Term Financial Goals
We can get so bogged down by the demands of our daily lives that we forget about the future, about planning for it and taking steps to make sure we’re securing the future we desire.…
Evaluate Credit Card Offers Before Applying
Credit card companies want your business. You can tell by the number of credit card offers you receive in the mail – that is, if you haven’t opted out. It can feel like an honor,…
CFPB Begins Taking Payday Loan Complaints and Makes First Action
Consumers who feel taken advantage of by one of the most infamously predatory businesses – payday lenders – now have a place to send their complaints. In early November, the Consumer Financial Protection Bureau announced…
Pew Study Shows "Rags-to-Riches" Is Unlikely
The idea that one born poor can work hard and improve their economic position is one that’s been around for decades and is still prevalent. In a Pew Charitable Trusts, poll 40% of Americans said…
The Trouble With Sharing Accounts
Parents and children, siblings, and couples all may, at some point, choose to share a checking. Having an account with someone can be tricky and requires an extra amount of communication to be sure that…
Tough Decisions: Which Bills to Pay
Some times are tougher than others. There may be times in your life that your finances are hard to manage. For example, if you’ve recently lost your job or suffered a pay cut, you may…
Four Reasons to Save Up a Down Payment
Mortgage and an auto loan are two of the biggest loans you’ll probably ever borrow. Some lenders require that you put forward a certain percentage of the home or auto cost because lending you 100…
Another Year of Free Credit Monitoring for South Carolina Taxpayers
Last year, almost than 4 million South Carolina taxpayers had their social security numbers compromised when the state’s Department of Revenue suffered a data breach. In addition, close to 400,000 credit and debit card numbers…
Should You Bail Out a Friend or Family Member?
If a friend or family members comes to you with a request for financial help, you may struggle with the decision. Depending on your personality and your beliefs about money, you may jump at the…