Spend Money Wisely to Save

[M]ost experts tell you to save money if you want to have more. While this is worthwhile advice for most situations, there are times when you should spend money to save more in the long run.
Buying a Car
One prime example is with buying a car. If you spend more money now to pay cash for a...
Spend Money Wisely to Save

How to Take a Vacation with Little Money and Bad Credit

[I]t’s getting about the time of year when people start planning their summer vacation. If you’re stuck in a dead-end job and have a bad credit history, you may think taking a vacation is just a pipe dream. However, it is still possible to enjoy a short trip, and it’s better not to charge every...
How to Take a Vacation with Little Money and Bad Credit

Things You Should Know If You Must Deal with a Debt Collector

[I]f you have an outstanding debt that you are currently unable to pay, it can be scary to deal with the agency trying to collect. Before you contact them or toss the bill aside, there are some things you should know.
Debts do Expire
You cannot be legally bound by a debt that is past the...
Things You Should Know If You Must Deal with a Debt Collector

What to Expect with VantageScore 4.0

[V]antageScore announced it would have the latest version of its credit scoring model out for use sometime in the fall of 2017. Several updates expect to more accurately measure a person’s credit history.
The Credit Balance
One of the big changes in how balances on credit accounts will impact a p...
What to Expect with VantageScore 4.0

What to Consider with Annual Fee Credit Cards

[M]any credit cards come with an annual fee. In fact, people with bad credit often assume that’s the only kind of card they can qualify for. While it’s true that many cards have the fee, not all do. Before you apply for a card, you should consider the annual fee.
Cards for Bad Credit
A secured cr...
What to Consider with Annual Fee Credit Cards

How You Can Pay Off Your Mortgage Sooner

[T]he secret to financial independence and good credit is having enough money to live on and for emergencies. One way to ensure this is by reducing your debt. The biggest debt for many is with their home. A mortgage not only comes with a higher payment, but it is often set up for 30 years....
How You Can Pay Off Your Mortgage Sooner