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.
How much thought do you give purchase decisions? Are they deliberate or impulsive? How you spend money, even on the seemingly insignificant day-to-day things, has a big impact on your entire financial life. Have you… 5 Questions to Ask Before You Bu
One of the biggest shopping seasons of the year is just a few days away. Already, stores are advertising Black Friday sales and no doubt the masses will be lined up waiting to take advantage… Don’t Let the Holidays Break You or Your Wallet
Gift cards are a great option when you don’t know exactly what to buy a person or when you don’t have enough time to shop thoroughly. You basically have two options: a store-branded gift card… Shoping for a Gift Card? The Store Brand May Be a Better Deal
Placing a security freeze on your credit report is one of the ways you can reduce credit card fraud and identity theft. With a security freeze in place, businesses can’t check your credit report to… Credit Report Freezing Isn’t for Everyone
Using a credit card isn’t hard. Swipe your credit card at the cash register, walk away with your merchandise, and wait for the credit card issuer to tell you how much you owe. Making credit… Four Examples of Reckless Credit Card Spending
The South Carolina Department of Revenue suffered a massive data breach resulting in the theft of approximately 3.6 million social security numbers and 387,000 credit and debit card numbers. The majority of credit and debit… Massive South Carolina Data Breach – 3.6 Million Social Security Numbers Stolen
If you recently used your credit card at a Barnes & Noble, you may have been a victim of a data breach. In September (2012), 63 stores were impacted by the data breach. The stores… Barnes & Noble Data Breach Puts Debit Cards At Risk
The rule of checking accounts is that you should only spend as much as you have in your account. As a courtesy, your bank may process transactions that exceed your checking account balance however, that… 5 Reasons to Clear Overdrafts Quickly
Payday loan providers are known predators. The loans are generally easy to borrow, but difficult to repay. They’re attractive to many because no credit check is required. However, cash flow problems lead to some borrowers… Online Payday Loans Are Riskier
You can kill a good credit score in a matter of months. It’s easy. In fact, you don’t have to do anything because not doing something, specifically not paying your bills, is precisely what makes… Slow and Steady Wins the Credit Score Race