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.
Of all the financial-related things consumers are concerned about – making ends meet, saving for retirement, putting money away for kids’ college – the biggest worry is credit card debt, according to a survey from… FICO: Credit Card Debt is Consumers’ Biggest Financial Worry
If you’ve checked your credit reports – hopefully you have – then you know that a variety of accounts are reported to the credit bureaus each month. Credit reports include credit cards, mortgage (if you… Which Accounts Most Affect Your Credit Score?
One of the main reasons for taking a balance transfer is to make it easier to pay off a high interest rate credit card balance. By transferring your high interest rate balance to a credit… Can You Afford a Balance Transfer?
The Federal Trade Commission says it receives more than 200,000 complaints about telemarketing robocalls each month. Many of the complaints are from “Rachel from Cardholder Services” as part of a credit card rate reduction scam.… FTC Shuts Down "Cardholder Services" Calls
Just a few years ago, banks were actually paying customers to sign up for new checking accounts. They were paying existing customers for referring friends and relatives. Meanwhile, existing bank customers enjoyed checking accounts and… Are Monthly Checking Account Fees Really So Bad?
Credit cards come with several different APRs: one for purchases, sometimes another for balance transfers, and a higher APR for cash advances. The highest APR of all is the default or penalty rate. The default… Dodging the Default Rate
“Seize the day”, “Live for the moment”, and “You only live one” are feel good quotes that can mislead people into thinking only of today, not for the future. Much of today’s society is built… A Few Ways That Planning Can Save Money
When a business is struggling, it has to make big changes to keep operating. As opposed to laying off employees, the company may choose to administer pay cuts either to a couple of departments or… How to Handle a Pay Cut
These days, you can hardly shop without being asked to sign up for a store’s credit card. Saving 10% may be enticing, particularly on larger purchases, but declining the offer may be a better idea.… 5 Reasons to Turn Down Store Credit Cards
It’s so important to be able to recognize the signs of financial trouble. If you can tell when you’re heading for disaster, you can stop what you’re doing and prevent something terrible from happening. A… Six Signs of Financial Trouble