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Archive for: Credit & Debt

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...]

Is a Balance Transfer Worth It? Ask Yourself These 5 Questions First

Struggling with credit card debt? You've likely been pitched (and perhaps considered) moving your debt to card with a 0 percent teaser APR using a balance transfer. Is that smart? Are balance transfers worth it? You'll want to double check to … [Read more...]

Get Out of Debt on Your Own: My Big Fat Guide to Kicking Your Debt’s Butt

If you want to get out of debt on your own (and quickly), I’ve got the post that will help you do it. Not someday. Not tomorrow. Right. Freaking. Now. Get your boots on. Warning: There's a lot of information here. I tried to make it as ski … [Read more...]

With SoFi, Fellow Alums can Help you Refinance Student Loans

When bold new ideas come along to help you take control of your finances, we love to tell you about them; that’s why we're here. We also strive to be transparent, because we're human. David and I have always shared about how we've messed up our f … [Read more...]

Capital One Venture Credit Card: Still Tops for Travel Rewards

Capital One Venture Card The Capital One Venture Card pays double miles for every dollar spent. There is a $59 annual fee after the first year. View details or apply Capital One VentureOne Card The Capital One Venture Card pays … [Read more...]

Use the “Savings Triangle” to Pay Down Debt Faster

When U.S. News  ran a story earlier this year about how I paid off $80,000 of debt before turning 30, I was flooded with emails from new and existing readers wondering how I did it. Even veteran finance journalists were curious. I’ve written a lot … [Read more...]