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.
Many Americans are struggling financially, with a large number of Americans living paycheck to paycheck and others having to borrow to make ends meet. Americans who grew up in a home with parents who struggled… 7 Steps to Achieving Financial Health
Temporary layoffs can happen when you least expect and with no warning from your employer. Worse, you may not know how long the layoff will last and when your pay will start again. Staying on top… 7 Ways to Handle a Delay in Pay
In the ideal car buying scenario, the value of your car would always exceed your outstanding loan balance. However, sometimes the opposite can happen and you owe more on your car than your car… What To Do If You’re Upside Down in a Car Loan
Many employers pay a year-end bonus as a reward to employees for their hard work and dedication throughout the year. After laboring all year long, most people think about splurging the bonus, but there may… 7 Best Ways to Spend a Year-End Bonus
Credit cards are a type of financial product that lets you borrow money against a credit limit. You’re responsible for repaying all the transactions you make, either by paying all at once or by… 5 Risks of Using Credit Cards
When you’re looking for a safe place to put your cash and possibly earn some interest, it’s important to make sure you understand the type of coverage your account comes with. FDIC and SIPC are… FDIC vs. SIPC Insurance: What’s the Difference
When you’re checking your credit report, one of the things to watch for is that all your information is complete and accurate. But, if you notice an account missing from your credit report, you could… When Your Credit Report is Missing Information
The world of online lending makes it much easier to get funding for home improvements, debt consolidation, medical bills, or other financial needs. It’s also easier for scammers to trick unsuspecting consumers. Scammers can pose… 5 Ways to Spot Online Loan Scams
One of the features that comes with today’s smartphones is the ability to use your phone for payments rather than swiping your credit cards. The latest smartphones come equipped with a technology known as Near… Perks of Using a Digital Wallet for Purchases
Any time you make an application that requires a credit check, an inquiry is added to your credit report. These inquiries are factored into your credit score for the next 12 months, which means… What a New Application Means for Your Credit Score