Going to college seemed like a good idea at the time. It was your key to a better future, or at least that is what people told you. Now, years later, the education that was supposed to propel you forwards, is the very thing holding you back. Half of those due to start...
Remember that ceramic piggy bank you had as a kid? How you slowly filled it and had to get a new one each year? How, as a teenager, you picked up a Saturday job, and had enough cash for anything you needed? What happened to that careful saver you used to be? Credit...
If you are one of the many who are struggling financially at the moment, you will be counting on receiving every cent of your paycheck. If you have debts to pay, you may want to delay some payments, or move your money around, to reduce the interest. If someone can...
If you are considering declaring bankruptcy in New Jersey, you need to know the difference between Chapter 7 and Chapter 13 bankruptcies. Chapter 7 bankruptcy means asking the court to wipe your debts. In doing so, you need to be willing to lose some things. Chapter...
Have you ever watched a sword juggler? It takes skill to keep more than one thing in the air at once, and it can hurt when you get it wrong, which is why you’ve probably never tried it yourself. Have you ever seen a debt juggler? No? Are you sure? Go and look out the...
Many people view bankruptcy as a finality – the end of a long, challenging financial road. In truth, bankruptcy was designed to offer Americans a fresh start toward a more stable financial future. With these tips in mind, you can repair and rebuild your credit to be...
With so many Americans forced to live paycheck to paycheck, it’s no wonder that even a small financial emergency can lead to potential ruin. As debt continues to mount, savings continue to crumble. Honest, hardworking individuals often find themselves scrambling to...
Superior financial literacy is not a strength of most people. Considering many of us aren't taught how to manage our finances properly, and figure it out in "trial by fire" scenarios, financial woes are not a surprise. Even the most financially adept people in the...
As the costs of health care and out-of-pocket expenses continue to rise in the U.S., more and more people are turning to crowdfunding sites like GoFundMe for help. Crowdfunding– or raising small amounts of money from a large group of online donors – has become the new...
Debt can be debilitating, when it feels like there is a claim on every cent of your income as you earn it. But this could turn literal when a creditor gets a court order to start collecting before you ever see your paycheck. There are limits on how much a creditor can...
