Recent Blog Posts
A Farewell To BNPL?
Slowly but surely, Americans are breaking bad habits that they developed during the pandemic. Doom scrolling is plenty addictive, but it turns out that the light of day has the same effect on unfounded catastrophic fears as it does on vampires, and the worst-case scenarios that bombard you on your social media feed cannot… Read More »
Delinquency On Credit Cards And Auto Loans Disproportionately Affects Millennials
A recurring theme in the generational rift between Baby Boomers and Millennials is that the generation that is currently approaching retirement age came of age in a time when it was much easier to find full-time jobs with stability and generous benefits than it is now. Furthermore, most of the trappings of middle-class life,… Read More »
Credit Union Car Loans Are An Affordable Option If You Can Qualify For Them
Even as everything becomes more expensive, Floridians depend on their cars as much as ever. Even if you were fortunate enough to stay employed and to work from home throughout the pandemic, it is painful to think about how much you have paid for gasoline during the past three years. If you have bought… Read More »
Debt Consolidation Loans Can Make Your Predatory Loan Debt Disappear
When you are living paycheck to paycheck and struggling to keep up with the monthly minimum payments on your debts, it is easy not to think too much about the details. If you have to pay $200 per month to keep from falling behind on payments on a debt, then you simply pay the… Read More »
How Bad Are The Financial Circumstances Of Floridians?
From a distance, Florida looks like an affordable place to live. The weather never gets cold enough that you have to pay for heating, and parking lots with free parking are plentiful. There are few charming, trendy neighborhoods in downtown urban areas where you don’t need a car but you have to pay an… Read More »
To Pay Down Credit Card Debt, Focus On Persistence, Not Gimmicks
You have made it to the end of January with your New Year’s resolution to pay down as much debt as possible in 2023 still intact. Improving your credit score to qualify for bigger loans and lower interest rates is a long, slow process, however. You read personal finance advice to stay motivated, plus… Read More »
Credit Reporting Agency Predicts An Increase In Credit Card Delinquency In 2023
The economic hardships that have characterized the past three years do not seem to be letting up any time soon, but predicting what will happen next in the economy is an inexact science. Too many unexpected events could cause obstacles or opportunities that neither consumers nor professional economists could have guessed. The credit reporting… Read More »
Credit Counseling And Your Bankruptcy Case
No two bankruptcy cases are exactly alike, but filing for bankruptcy protection is never anyone’s first attempt to get out of debt. People only file for bankruptcy after they have made every effort to reduce their discretionary spending, increase their earnings, and buy time to repay their debts. Why, then, does the court require… Read More »
4 Ways To Reduce Your Debt In 2023
You might be young enough that you can still stay up until midnight on New Year’s Eve and almost every night except the ones when you have to get up early for work the next morning, but you have been an adult long enough that setting overly ambitious New Year’s resolutions is a recipe… Read More »
Learning From Your Mistakes With Buy Now Pay Later In 2023
Another year has started, and many consumers are taking an honest look at their debt situations. 2023 is shaping up to be the year in which we give up the bad habits we picked up during the pandemic. Those who vow to improve their mental health in 2023 are giving up doom scrolling, or… Read More »