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.
Every financial product that appears to make your life easier, likely comes with a fee that, in some way, will actually make your life more difficult. Take payroll cards, for example. Many employers are choosing… Employer Use of Payroll Cards Can Be Expensive for Employees
The Fair Credit Reporting Act gives consumers the right to use a credit reporting agency who violates their rights. An Oregon woman recently won an $18.4 million judgment against Equifax, one of the three major… Oregon Woman Wins $18M Judgment Against Major Credit Bureau
A recent survey from the National Foundation for Credit Counseling revealed a surprising misconception that may explain why so few consumers take time to create a budget. More than half of survey respondents – 57%… Many Americans Confused About the Purpose of Budgeting
If you want a quick, cheap meal while you’re on the go, McDonald’s may be the first place that crosses your mind. But, it’s probably not a good idea to rely on the billion-dollar fast… McDonald’s Sample Budget Reveals Low Wage Struggle
Living paycheck to paycheck and making just enough money to pay the bills is no fun. Living this way month after month, year after year can take a toll on your emotional well-being. The financial… Making a Bad Financial Situation Better
You may be one of the millions of people who received one of those annoying phone calls, or several phone calls, from “Rachel” from “Cardholder Services” promising to help you reduce your credit card interest… Court Orders $9.2 Million Judgment Against "Rachel" from "Cardholder Services"
Though budgeting has repeatedly been touted as one of the basic financial habits, not many Americans are budgeting their monthly income. According to a recent poll from Gallup, only 32% of Americans budget each month.… Two Thirds of Americans Aren’t Budgeting
Students borrowing certain need-based Federal loans after July 1, 2013 will pay a higher interest rate than previous borrowers paid on the same loan. Rates on new Direct Subsidized Loans, a need-based loan otherwise known… Rates on New Stafford Loans Double
People are taking more time paying off their auto loans. Auto lenders, in an effort to get more people to buy more cars, are giving people more time to pay off their loans. The result… What to Do When You Pay Off Your Car
We’ve all heard the phrase, “Time is money,” but do we really believe this? Do we behave this way? If you’re having financial trouble, consider whether your time management may be, at least partially, to… How Better Time Management Can Improve Your Finances