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…
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…
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%…
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…
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…
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…
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.…
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…
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…
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…