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Archive for: Credit & Debt

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...]

Dave Ramsey’s Financial Peace University: An Unbiased Review

Americans are up to their ears in debt. According to the Federal Reserve, the average American household has just over $15,000 in credit card debt as well as over $31,000 in student loan debt, as of September 2013. If you're one of the millions … [Read more...]

Pros and Cons of Using 0% APR Credit Cards for Purchases

I was chatting with a friend the other week who mentioned he was thinking about getting a new credit card – one with a 0 percent APR on purchases for over a year – to finance a couple of home improvement projects he had coming up. Pros of making pu … [Read more...]

In an Emergency, How to Borrow Money From Your IRA

On Feb. 14, Money Under 30 ran my column about the five (and only five) times it might be OK to tap a retirement account. Little did I know at the time that I'd soon put one of those scenarios to the test. In that column, I interviewed Eleanor … [Read more...]