A plurality of Americans lacks the financial capacity to absorb a $400 unexpected expense. Many more are cash flow negative, meaning they spend more than they earn — not because they’re living high on the hog, but because mundane non-discretionary expenses like food, shelter, and clothing eat up their entire take-home. For many consumers living … Read more
Small cash loans can come in the form of a payday loan, a personal loan, or cash borrowed against your credit card. If you’re short on cash, you may be considering one of these options to bide you some time. While there may be strategic reasons to do so, generally it’s not an advisable practice. … Read more
Consider the following scenarios: You purchased your home within the last year. You put zero down when you purchased your house. The city you live in is in the midst of a declining real estate market. Your house requires one or more significant repairs. If you are in any one of these positions, you may … Read more
Your credit score says a lot about you. It’s the first impression of the financial world. And you don’t have to be in the market to buy a house or a car for it to have an impact on your bottom line. Read more to learn how proven steps you can take to improve your … Read more