How Interest Rates Work?

When somebody talks about interest the person in question uses a rather disgruntled tone, and for good reason. Interest rates are usually the bane of each and every person that needs a loan at any given time, and the banks tend to go wild with interest rates left and right. Some of them actually actively deceiving the customers with the famous “3 months without interest” without specifying that the 3… Read More »

What Is The Right Retirement Age For You?

I am sure that every working person no matter their age has thought about retirement age as something in the far away future. But then they are coming closer to their 50’s or 60’s, they will start thinking what is the right retirement age to retire at and the more they think about it, the more confused and hesitant they become. This article aims to show you how to consider… Read More »

Basic Financial Tips

We, as mature human individuals, have to be able to manage our own finances and make sure that our wallets will not be caught up in a vice around every corner. There are a lot of ways in which you can be tricked out of your hard earned money, your nest egg, your college fund, and life savings. There are also ways in which you can avoid it, and all… Read More »

Paying Bills Can Wait

Paying Bills Can Wait, This is a phrase that is uttered rather rarely, but at times can yield good result if used properly. To be honest, paying bills can’t really wait. They have to be paid in full, on time, in order to make sure that no penalties are added or that other costs will pile on top of it. OK, sure, we all work hard, and we all deserve… Read More »

Debt Consolidation. Should You Consolidate Debt?

Debt consolidation is something that we see spoken about quite often these days, and it’s on the lips of each and every bank representative that you sit down and talk to. What Debt Consolidation consists of is actually one big loan that pays off several other loans, making it easier for the person to manage his or her debts and finances. This can be a good thing when executed correctly,… Read More »

Financial Mistakes College Students Make

Going to College can be some of the best years of a young person’s life. The problem is that they are often away from their parents for the first time and out in the real world. While it is a fantastic time, some of that shine can be taken of their college years if they make one of the financial mistakes college students make. These financial mistakes college students make… Read More »

The Human Side Of Debt Stress

In all the information you find out on the web about debt, you will find the best ways to mange it and pay it off and all the rest, one thing that is generally disregarded is the human side of debt stress. Having debt obligations is amazingly upsetting, and can have an exceptionally negative impact on your life, if you allow it. It’s is awful, continually hanging over you, cutting… Read More »

Going Cashless Compared To Using Cash

Going cashless is something that is considered by most people currently under the age of 30, and not really considered by the people around and above 30. It basically means that you give up the idea of having cash on you and you use card to pay for everything. Don’t get me wrong, both concepts are viable in the modern world of today, however there are certain advantages and disadvantages… Read More »

How To Be Frugal

It is an interesting fact that people are connecting the term “frugality” with two extreme opinions – they think about it as either extremely good or extremely bad. Nowadays it seems that most people are thinking about it as a bad thing otherwise the whole world would not have come face to face with the biggest economic and financial crisis in history, which experts say was caused by the new… Read More »

Credit Card or Credit Card Alternatives

Have you ever wondered why there is so much marketing of credit cards by banks and organizations? Credit cards are one of the most used mean of paying for something, but are also the most expensive one, which make them a big money earner for the banks. This is why I would like to point you some credit card alternatives. Credit Card Alternatives: Debit Card A debit card for example… Read More »