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.
Getting out of debt is nowhere as easy as it is getting into debt. Many people start out their debt journey by putting a little bit of extra toward all their debts. Even though you may… Using the Debt Avalanche Strategy to Pay Off Debt
The perks on premium rewards credit cards look great, but the high annual fee causes many people to run the other way. The annual fee on a premium rewards credit card can be as high… Are Premium Rewards Worth the Expensive Annual Fee?
As an entrepreneur, keeping your finances straight can make or break your business. Using a credit card can help you organize your expenses, keeping everything in one place so it’s easier to see what you’re… 3 Key Things Entrepreneurs Should Look for in a Credit Card
Since it was created, the FICO score has been based only on consumer credit history. The score uses past credit information that’s compiled by major credit bureaus to calculate a credit score that predicts a consumer’s… The New UltraFICO Will Give Millions of Consumers a Score Boost
If you survived the Great Recession of 2008, then you know just how bad it can get. Companies layoff employees. Household income declines while unemployment and bankruptcies rises. The country and consumers experience financial hardship… How to Prepare for the Next Recession
Placing a security freeze on your credit report is one of the best ways to protect yourself from identity theft and thanks to changes in federal law, you can now do it for free. What… Credit Freezes Are Now Free for Everyone
Most major hotel chains offer a co-branded credit card that allow you to earn points that you can use toward hotel stays. Frequent travelers can benefit from having a hotel credit card. Depending on the card you… What to Look for in a Hotel Credit Card
Much of the advice you read about store credit cards is that you should avoid them at all costs. The high interest rates and low credit limits aren’t the most attractive features for a credit… How to Use a Store Credit Card the Right Way
Bankruptcy has the stigma of ending your financial life, but if you’ve been struggling with debt for months, or even years, bankruptcy can give you the fresh start you need to get back on your feet. Once… 6 Tips to Bounce Back From Bankruptcy
Your credit report has a major influence on your life. The information in your credit report is used for everything from your home purchase to getting a new cell phone to car insurance and even… 10 Things You Should Know About Credit Report Disputes