A cash advance is very similar to a payday loan, except the terms are generally a bit longer. For those with poor credit, this is often a better option when emergency funds are needed. Cash advances are not legal in all 50 states, so it is important to make sure they are legal in ... Read more...
Archives for 2014
Is Staying Home to Raise the Kids Costing you More than you Think?
Not long ago we wrote a blog about how the number of stay-at-home moms in America is on the rise. As a matter fact, in 2012 nearly 30% of all US mothers stayed home to raise their kids, up 23% from 1999. Take a trip to any park on most weekdays and you’ll even see dads there ... Read more...
Don’t Fall for these Hotel Scams
Summer. Time for barbecues, road trips and… hotel scams? If you’re heading out on the road this summer and will be staying at a hotel or motel along the way, the FTC recently published a list of scams and “hazards”, including some that are identity theft related, that you need to ... Read more...
2 Simple Systems to Help you Stay on Budget
The very first, most important step in creating a personal financial plan is to have a firm understanding of your income and your expenses. In order to do that you need to have as much detailed information about both as possible. If you’ve tried tracking your expenses and ... Read more...
Top 5 Ways to Save $100.00 this week, and every week
These days $100 might not seem like a lot of money but, if you’re able to save $100 a week, at the end of the year you’d have $5200 that you could put towards paying down debt, putting towards an emergency fund or towards your 401(k) or IRA. And hey, $5200 is no small amount of ... Read more...
Want to build your Credit but don’t want a Credit Card? Here’s How
Oftentimes one of the first suggestions offered if a person needs to either build or rebuild their credit is to get a secured credit card or, if that’s not possible, to become an authorized user on another person’s credit card. But what if you want to build your credit but ... Read more...
The Educator Expense Deduction – Things to Consider
As an educator, you are no doubt aware that you can claim the money you spend on classroom supplies as a deduction on your taxes. On the surface, it may seem quite simple--you buy the stuff throughout the year and, at tax time, and you claim that amount when it’s time to ... Read more...
Tips for the Novice Investor
As a novice investor I am always looking for safe and fundamental investments that will help me reach my retirement goals. After doing some research I was surprised to find that there are more ways to “invest” my money that I ever realized, some of those investments come with ... Read more...
Can’t Afford These Luxury Items? Don’t Buy Them!
While borrowing money to purchase a home, get an education or buy a new automobile are (relatively) smart financial decisions, there are a number of items that a person should never borrow money in order to purchase. While the urgency to do so is definitely there, the fact is ... Read more...
Quick Jobs When you Need Money
We have all been there, cashless and needing to make a buck quickly. There are numerous ways to go about making a quick buck, including some that can easily turn into a career for the independent minded. When you are in a bind and need money now there are no such things as a ... Read more...