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Archive for: Credit & Debt

Depressed About Debt? Expert Advice on How to Overcome Financial Anxiety (And Get Rid of Your Debt)

You know debt hurts your financial health. But did you know that debt also hurts your mental and physical health? For years, studies have shown people in debt have higher rates of mental health problems like depression and anxiety than those who … [Read more...]

Personal Loans Vs Credit Cards: When To Use A Loan Instead Of Plastic

When life's big expenses crop up, it's always best to pay cash. That's why the first step in building financial security is to get ahead of your paycheck and save money for emergencies -- and eventually big purchases like cars and vacations. If … [Read more...]

How That ‘Free’ Flight Cost Me $1,400

It’s easy to love free things, and of all the freebies that tempt us, none make a wandering spirit more weak in the knees than the promise of free airfare. It’s about a million degrees below zero in Chicago for the third straight week, and I'd lov … [Read more...]

What Credit Score do you Need to get Approved for a Credit Card?

If you're looking to be approved for a credit card, you'll need to have a credit score that meets the bank's minimum criteria. This is why we hammer home this advice here on Money Under 30: Know your credit score. Keeping track of your credit … [Read more...]

One in 5 Americans Have Credit Report Errors That Are Easily Fixed; Isn’t it Time to Check Yours?

The whole business of navigating credit reports proves tricky for a number of reasons -- starting with the fact that you don’t have one credit bureau to worry about, but three. Imagine if you had to talk to three auto mechanics before you could get y … [Read more...]

Why – After 29 Years – I’m Cutting my Favorite Credit Card in Half

Had I tried to write this post three months ago—when my anger over a credit card company slight reached full boil—it would’ve turned into a train wreck. Now that I’ve had time to cool off and reflect, I’m giving it my best shot, because my story serve … [Read more...]

Is The Payday Loan Industry’s Bad Rep Deserved? Clients Say: ‘We Know What We’re Getting Into’

Sometimes, payday can't come fast enough. As someone who derives income as a freelancer, the game that many clients play goes something like this: “Get my work done, like, yesterday! And as for your check, our terms are 90 days net, unless the p … [Read more...]

Best Credit Card Signup Bonus Offers Available Now

Here’s some unorthodox financial advice: Go apply for a new credit card. Why? Several major credit cards are offering a credit card signup bonus of up to $300 and sing-on points bonuses worth up to $500 in travel if you apply for a new card and spe … [Read more...]

A Target-sized Data Breach Will Happen Again; 11 Ways to Protect Yourself

A few days before Christmas, I hit a Chicago Target and bought “Pac-Man and the Ghostly Adventures,” a Wii U game for my son. The half-price sale proved too good to resist, but only up to a point. Nothing short of a gun to my head could’ve compelled m … [Read more...]

Hey, Look: I’m Rich! 6 Credit Cards That Cost Over $400 Just to Carry Them

Credit cards are a funny business. Most of them are “free” as long as you payyou’re your balance in full each month. Many even refund a small percentage of your purchases as airline miles or rewards points. Other cards, though, tack on annual fees … [Read more...]