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Simple. Honest. Personal finance.
MoneyUnder30.com

Personal Loans vs. Credit Cards

When life's big expenses crop up, it's always best to pay cash. But what if you can't? If you don't have emergency savings and suddenly face a car repair, tax bill, or some other major expense, you may have to borrow money to pay it. And most of the … [Read more...]

Best Cash Back Credit Cards

If you're one of us few and proud who religiously pay your credit card balance off in full each month, you get to benefit from cash credit card rewards -- the percentage of your purchases that your card will pay you back as points, miles, or even … [Read more...]

New to Credit? Five Ways to Speed up Building a Good Credit Score

Anyone whose tried to get a loan with a weak credit history knows that even an excellent credit score will only get you so far with lenders. That myth your uncle told you about signing up for a credit card, using it once, paying it off and letting … [Read more...]

Citi Simplicity Credit Card Review: With No Late Fees, a Card for the Innocently Absent-minded

Ideally, we’d never carry a balance on our credit cards. The reality is, when you're  young, broke, and living paycheck-to-paycheck, sometimes you have little choice but to use credit cards as a stopgap. If that's the case, pay attention to our Citi S … [Read more...]

Building up (and Bailing out) Massive Credit Card Debt: My Story

I'm going to share the story of my twentysomething financial meltdown. But understand there's some risk for me. Wait until you see just how reckless Lou Carlozo, the intrepid personal finance journalist, once behaved. What’s more, you might t … [Read more...]

Barclaycard Ring Credit Card Review

Let's face it: Few credit cards are innovative. When picking new plastic, you have similar choices and decide on trade-offs like rewards, annual fees, and interest rates. Occasionally, however, there's a card that's notably different, like a new … [Read more...]

Best Credit Card Rates

Updated daily, a comprehensive list of 0% intro rates on purchases and balance transfers, plus the lowest and average regular APRs on leading credit cards. Compare and apply. Credit Card Rates, Nationwide Averages Category Average … [Read more...]

Chase Freedom Credit Card Review: The Card I Use Most

For about two years now, my wife and I have used the Chase Freedom credit card for nearly everything we buy. (I have another credit card for business expenses, but everything else goes on the Freedom card.) Long story, short, we've been pretty … [Read more...]

Best Miles Rewards Credit Cards

Fantasizing about your next vacation can get you through a long day at the office, but when you're choosing a miles rewards credit card, you should decide based on the facts, not dreams of waves lapping at your toes under swaying palms. But that's w … [Read more...]

Chase Sapphire® Credit Card Review

Without a doubt, the credit cards you carry can either really help you or really hurt your finances. With that in mind, I periodically take a look at new credit cards on the market and how they stack up to all the available options. Today, let’s l … [Read more...]