Minimum Payments Will Cost You

Mar 25, 2019 by

Routinely make the minimum payment on your credit card and you’re just the sort of sucker credit card issuers love to have as customers.

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Rapid Rescore = $$$

Mar 18, 2019 by

Applying for a mortgage or thinking of refinancing? Be sure your mortgage lender does a “rapid rescore” analysis of your credit report.

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Can’t Pay Your Taxes?

Mar 11, 2019 by

You’ve finished your tax return, yay! But there’s just one problem: you don’t have the money to pay your taxes due by April 18. Now what?

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Can We Afford This?

Mar 5, 2019 by

I have a foolproof method of judging whether I can afford something: My wife tells me. You may not be so lucky.

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Should Humans Buy & Hold?

Feb 25, 2019 by

Can an investment strategy work in practice that requires regular decision-making and market assessments from an inescapably emotion-laden human with his or her own money at stake?

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Handling a Money Crisis

Jan 20, 2019 by

What would you do if a family wage earner were unexpectedly laid off? Panic and paralysis is normal for a day or two, but then what?

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Financially Survive the Shutdo...

Jan 14, 2019 by

While the national leaders Americans elected shoot spitballs at each other, you’ve got bills to pay. If your income has been slashed, we hope temporarily, by the government shutdown, you need a plan to keep your head above water. Here it is.

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Plan to Pay Off Debt

Jan 7, 2019 by

You’re ready to attack a mountain or a molehill of debt. If your goal is to flatten the debt by a certain date, how much do you pay each month?

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Pay Debt with 401(k) Loan?

Dec 31, 2018 by

If you have high-interest debt like credit cards, that chunk of change you’ve accumulated in your workplace retirement account may look mighty tempting. Why not lend it to yourself, pay off the credit cards, and save the interest expense?

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When to Freeze Your Credit

Dec 24, 2018 by

You may have heard of freezing your credit cards in a block of ice as a tactic to deter impulse spending and borrowing. But that’s not what’s meant by “credit freeze.”

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Net Worth: How Are You Doing?

Dec 18, 2018 by

If you’re visiting this site, you’re probably focused on making better money choices, paying off debt, and saving more. But how do you know where you stand? Are you ahead or behind Americans your age?

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Credit Repair: Always a Rip-Of...

Dec 10, 2018 by

Is your credit report blemished? Are you considering cosmetic surgery? Don’t waste your money please.

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Send a Cease & Desist Let...

Dec 3, 2018 by

You have the right to force that nasty debt collector to stop contacting you. But doing so might have even nastier consequences.

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Why Overpay for Everything?

Nov 25, 2018 by

Nobody wants to overpay. But you might be paying twice as much as you need to for stuff you buy without realizing it.

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Get These 3 Things Right

Nov 19, 2018 by

Saving enough for a comfortable, secure retirement isn’t complicated. Follow these three guidelines, and you can’t miss. And your little man/woman will be happy. 🙂

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Paying for Aloha

Apr 16, 2018 by

How I freed up over $6,000 in cash that we’re putting to fun use on a long Hawaiian holiday.

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Good News, Bad Habits

Feb 14, 2018 by

Don’t be seduced into shooting yourself in the money foot by falling victim to the good news, bad habits deception.

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6 Money Saving Holiday Hacks

Nov 27, 2017 by

Creative, simple ideas for helping pay for the holidays with cash, not debt.

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Dividend Portfolio Update

Nov 7, 2017 by

I’ve built a portfolio of relatively low-risk, high-dividend stocks that now generates enough cash to cover roughly one-third of our living expenses. That feels good.

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3 Top Money Wasters

Oct 17, 2017 by

Are you spending as if you want to retire early?

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Are Rising Rates Good?

Sep 20, 2017 by

Rising interest rates generally reward savers and punish borrowers. But there are other, less obvious benefits. Guest post from Patty Moore of Working Mother Life!

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Equifax Hack

Sep 10, 2017 by

With nearly half of all Americans affected, everyone should follow up to protect themselves in the wake of the horrendous hack at credit bureau Equifax®.

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TransUnion.ca Sneakiness

Aug 27, 2017 by

Here’s how TransUnion’ca’s process for obtaining a credit report—which should be free—morphs into a purchase of a $239/year “credit monitoring” product. Shameful!

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The Pain of Paying

Aug 2, 2017 by

You’ve abandoned cash, right? Cool, but research shows you’re probably spending more as a result.

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