Small businesses live and die on account of their cash flow and capital, how much money is coming in and flowing out of the business and how much the business can retain for investments, upgrades, and opportunities. These are key metrics for any business, but especially those just starting out or in a mode of … Continue reading Finding Money for Your Business
Category: Credit & Debt
Can Only One Spouse Apply for a Mortgage?
The short answer is yes, a husband or a wife can apply and qualify for a mortgage without the other spouse being considered, if you live in a state where the law permits it. As with so many financial questions, the first thing to do is to check your state and local laws. One important … Continue reading Can Only One Spouse Apply for a Mortgage?
Should You Get Married When You Have Student Loans?
This is a guest post from Jon who writes at PayMyStudentLoans.com on how to minimize the effect paying off student loans will have on your life. It was a little under 3 years ago when I got married and added the cost of the wedding on top of my already existing student loan payments – … Continue reading Should You Get Married When You Have Student Loans?
Do You Pay for Financial Services?
Do you pay other people or companies for the privilege of dealing with even the simplest areas of your finances? If so, it may be time to re-evaluate whether you're getting your money's worth with these expenses. Let's look at three of the most common financial management areas where people often spend money for things … Continue reading Do You Pay for Financial Services?
5 Reasons Why 0% Financing is a Horrible Idea
I recently overheard a conversation about buying a car on 0% financing because it was too good to pass up. Here are 5 reasons I think this is the wrong approach.
Foreclosure Not So Bad, Says TransUnion
Earlier this week, Housing Wire ran a report that suggested mortgage defaults are not a good predictor of future loan problems.
Afraid to Swipe? One Way to Increase Debit Card Safety
Many of you are stuck in an interesting Catch-22: You believe that credit cards lead to over-spending, but you like the protection they provide to your checking account. I believe I have a solution.
Are Credit Card Rewards Causing You To Overspend?
For years, I've advocated for credit card use, partly because of the rewards they offer. Lately, I'm starting to second-guess myself. What's your take on this?
Keeping Your Credit Cards Still Makes Sense
Lending Tree recently asked me to write a short piece about why it's not time to throw away your credit cards yet. Here are a few of the points I made.
You CAN Use Your Credit Card for Emergencies
The commonly accepted thinking in the personal finance community is that you should leave your credit card at home when emergencies arise. In many cases, I beg to differ.
