In this post, I’m going to ask you to slow down, look inward, and do some reflection. Most often, I write about straightforward topics like debt repayment, credit scoring, and budgeting. Don’t get me wrong—it’s important stuff. But on a deeper level, something I struggle with as a personal finance blogger is that I don’t […]
In the past year, we have seen banks cut back credit lines, raise interest rates, and limit new loans to only people with immaculate—and I mean immaculate–credit histories. That means it’s become difficult, if not impossible, for well-meaning borrowers to consolidate debt or transfer their debt to a lower interest rate through a traditional bank. […]
It’s a hot-button question: If you’re in debt, do you get rid of all of your credit cards and stick to debit cards and cash only? Or can you discipline yourself to still use credit cards for routine purchases and pay the balance off in full every month, even if you’re digging out of existing […]
For today’s information workers, offices don’t make sense. Why commute in rush-hour traffic to sit in a cube and write, research, and make phone calls: all things you could do anywhere? For many workers, ending—or at least reducing—daily treks to the office may be as simple as asking their employer. Especially in challenging economic times […]
Credit card issuer Chase rolled out a new feature today—called Blueprint—that will allow consumers to divide credit card charges they want to pay in-full or over time. Blueprint will enable Chase cardholders to pay everyday charges in-full each month interest-free, even while paying other purchases off over time.
AT&T Wireless Visa debit gift cards that come as rebates for iPhone, Blackberry, or other mobile phone purchases are a raw deal! AT&T advertises prices for popular mobile phones that include $50 or $100 off in the form of a Visa gift card that the customer must apply for after the purchase. But…most customers will […]
I paid off my Prosper loan! It’s definitely been a month of celebrations. Getting married, starting to work for myself and now, paying off debt! About two and a half years ago, I wrote about applying for and getting a personal loan from peer-to-peer lender Prosper. I used that $11,500 loan at 13.50% to pay […]