Author Archives: Jay Butchko
Posh Strategies for Rebuilding Your Credit After a Bankruptcy Filing
In the early years of the previous decade, the 99 percent raised their voices in frustration about the financial struggles they faced because of policy decisions made by the wealthiest one percent of the world’s population. This led to some relief for consumers, but the Great Recession now seems like ancient history, and most… Read More »
Hidden Financial Struggles of the Gig Economy
Last year, 59 million Americans earned at least some of their income through freelance work. This means that nearly a third of the country’s working age population participates in the gig economy in some form. For every YouTuber pontificating about how hustle culture is destroying our society (even though said YouTubers are probably making… Read More »
How Hard Is It to Dump Your Ex-Spouse’s Debts?
Your ex-spouse’s financial habits ruined your marriage and contributed to the tough financial situation you are in now that your divorce has become final. Your ex took out student loans for a second master’s degree when she still owed a balance on the loans for the bachelor’s degree she earned before you met and… Read More »
No, You Cannot Use a Personal Loan as a Down Payment on a House
If you are like many, you may get several notices in the mail every week about the unsecured personal loans you could qualify for; some of them even look like a check ready to deposit into your bank account. When you see a simulacrum of a check for tens of thousands of dollars made… Read More »
Tread Carefully With Snap Finance
South Florida is an unbeatable destination for people watching and reptile watching, but while you eventually get desensitized to the sight of iguanas, Nile monitor lizards and video vixens, vehicle watching on Collins Avenue or Biscayne Boulevard will never get old. Florida’s vehicular traffic is poetry in motion. No matter its owners’ tax bracket,… Read More »
Can Freecycling Solve Your Debt Problems?
People who are trying to get out of debt sometimes describe it as a quest, like pursuing a fitness goal, learning to play a musical instrument, and trying to achieve a high score in a video game. The pursuit of financial goals can quickly get demoralizing. It feels great to be able to tell… Read More »
Top Reasons That People File for Bankruptcy
Getting sued by a creditor is one of the most humiliating things that can happen in a courtroom, but business to consumer lawsuits are unfortunately common in Florida. Creditors can persuade the court to order you to pay debts that you cannot afford, and when you do not pay (as you have been saying… Read More »
How Will Florida’s New Co-Parenting Rules Affect Your Finances?
When people complain about the financial hardships of co-parenting after divorce, it all sounds like high class worries to you. If you are divorced, it follows that there was once a time when you or your parents could afford to pay for a wedding. In a divorce, the court also guarantees that each spouse… Read More »
Is Fiona the Solution to Your Debt Problems?
If you are so broke that you had to cancel all of your paid content subscriptions, there are worse things you could watch on YouTube than the series of videos about Fiona, a hippopotamus who lives at the Cincinnati Zoo. Fiona’s existence is something of a miracle, not only because she is one of… Read More »
Florida’s New Affordable Housing Law Offers No Immediate Relief for Tenants
The astronomical price of housing is a major factor stopping many Floridians to get ahead in life. You would love to save for a down payment on a house, but so much of your income goes toward rent that there is almost nothing left to save, even when you cut costs on almost everything… Read More »