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.
Your debt-to-income ratio is an important financial measure that tells the percentage of your monthly income that goes toward debt payments. In addition to your credit score, lenders use the debt-to-income ratio to approve your… How to Improve Your Debt-to-Income Ratio
If you think you’re safe from debt collector calls at work, think again. You’d be surprised at how much information a debt collector can find out about you with a few phone calls and internet searches.… How Debt Collectors Find Out Where You Work
There are some rewards credit cards on the market right now. Most rewards credit cards are currently offering a great signup bonus if you meet a minimum spending requirement in the first few months of… How to Get the Most From Your Credit Card Rewards
Many major credit cards provide car rental insurance, alllowing you to ditch the car rental agency’s expensive daily plan and save money on the cost of your rental. Before you rent, here are a few… 9 Things to Know About Credit Card Car Rental Coverage
Having your money in a traditional savings account typically isn’t the best way for it to grow. Sure, it’s safe and easily accessible, but you may have the opportunity to earn more interest on your… Three Ways to Earn More Interest On Your Savings
Whether you’re traveling for vacation or for business, the last thing you want is to run into issues with your credit card. That kind of stress can make it difficult to enjoy your trip and… 6 Tips for Traveling With Credit Cards
The foreign transaction fee isn’t the most common credit card fee, but it’s one you should look out for even if you don’t travel frequently. A foreign transaction fee is charged as a percentage of… What You Should Know About Credit Card Foreign Transaction Fees
Saving money isn’t the easiest thing to do, especially if you’re not a saver by nature. But with a solid goal and a clear plan, you can meet your own personal savings targets. Here are… 5 No-Fail Steps to Meet Your Savings Goals
All your hard work has finally paid off and your boss has just informed you that you’ve received a raise effective on your next paycheck. Many people automatically start thinking about how much additional money… 5 Steps to Take If You Get a Raise This Year
When you apply for a credit card, you probably want to know whether you’re approved right away. Thanks to technology, there are many credit cards that can give you an instant approval decision in under… What to Know About Instant Approval Credit Cards