Are you the type of person who makes it a habit to file your tax return at the last minute? Are you hoping to get this off your plate earlier in 2019? Regardless of what you’ve done in the past, there are many reasons to file your taxes early next year. It’s a change to your typical system, but once you understand the benefits it’ll become second nature to you. 1. Faster Tax Refund There is...
With the holiday season just about in full swing, now may be the best time for you to make your travel plans. While some people hop on a plane to reach their holiday destination, others get behind the wheel and hit the road. Taking a holiday road trip can be a lot of fun, however, it can also set you back quite a bit of money if you’re not careful about your approach. Here are three...
With the holiday season approaching, now’s the time to plan out all the gifts you need to buy. In addition to knowing who to buy for, you must have a clear idea of what you can afford to spend. Taking your plan one step further, outline the manner in which you’ll pay for gifts. In a perfect world, you’re able to pay for everything with cash. Not only does this keep you on budget, but it...
You’re almost positive that a personal loan is exactly what you’ve been looking for. As excited as you may be, don’t jump into this just yet. Instead, take the time to answer a few key questions: 1. How will you use the loan? There’s no good reason to take out a personal loan unless you have a clear idea of how you’ll use the funds. Are you consolidating debt? Taking care of a medical emergency? Tackling...
There may come a point when you realize you’re unable to pay a creditor in full. While you could default, it’s much better to contact your creditor with the idea of negotiating your debt. As scary as it may be to make this call, once you’re on the right track you’ll realize that it’s not nearly as difficult as you thought. Here are five tips for negotiating with creditors: 1. Know Your Story Go into the...
When you apply for a credit card it’s your hope that you receive an instant approval. Unfortunately, this may not be the end result. It’s always possible that you could receive a denial, thus forcing you to take a few key steps in the near future. Here are five things to do if your credit card application is denied: • Read your adverse action letter: the credit card issuer is required to send you an adverse...
According to Kelley Blue Book, the average cost of a new car is approximately $36,000. For some, this may be the perfect price point. For others, it may be entirely too expensive. As you shop for a new vehicle, it’s important to do so with your budget in mind. If you don’t, you could fall prey to all the bells and whistles, thus paying more than you can comfortably afford. Here are three basic things to...
It doesn’t matter how many children you have, you’ll soon come to realize that keeping your house fully stocked with supplies would be in your best interest. After all, you never want to find that you’re out of diapers, formula, or another essential item. While you can always purchase what you need at a local big box store, there are many reasons to get into the habit of buying online: • Lower prices. There’s no better...
In a perfect world, you’d obtain a credit card and use it for the rest of your life. However, as the years go by, you may come to find that the credit card you once loved is no longer what it used to be. There are times when it makes sense to move on to a new credit card. Here are a few situations that often call for a change: • Variable rate is climbing. The...
Even with alternatives – such as streaming live TV services – cable companies continue to charge an arm and a leg. If you’re tired of overpaying, but not yet ready to cut the cord, it’s time to contact your cable company with the idea of negotiating a better deal. Once you make the call, there are three distinct things you should negotiate with your cable company: 1. Cost of Service This is the big one, as...
