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Let’s face it, debt in the United States is a problem. From our national debt, student loan debt, and consumer debt – debt in the United States is an issue at all levels. Why is that?
I’m a firm believer that it starts with the lack of education on the topic. Only 17 states require high school students to take a course in personal finance. But even those states that teach financial literacy, debt is still a problem.
[Read more…] about Debt in The United StatesOne of the few personal finance tips that garners near-universal praise is the idea of having some cash reserves.
For many topics in personal finance, there are seemingly as many critics as there are advocates. You commonly hear phrases such as:
[Read more…] about Cash Reserves 101: Why You Need an Emergency FundIf you have many different debts with different interest rates, payoff schedules, and balances, it may sound like a good idea to sign up for debt consolidation. Debt consolidation can seem appealing with the promise of a significantly lower monthly payment and a reduced interest rate.
For some people, debt consolidation may be a reasonable solution. For others, they will be making the debt consolidation company rich.
[Read more…] about Debt Consolidation 101: Everything You Need to KnowHas begging for money become the new norm? It seems that the internet has become an easy way for people to become online panhandlers. I’ve shared many ways to make extra money from home, online, and even creative side hustle ideas (i.e. “Dave jobs” for all of you Dave Ramsey fans).
[Read more…] about How to Take Control of Your Finances (and Stop Begging for Money)If you’re a current or former college student, or anything like me, chances are high that you have debt. I’m sure that you would also love to lower the student loan interest on that debt. Who wouldn’t?
With student loan debt statistics for 2019 revealing that 45 million student loan borrowers owe a whopping $1.52 trillion, it’s not a surprise that educational debt is a pressing economic and political concern. This is an issue I know personally, having graduated in 2016 with over $55,000 in student loan debt.
[Read more…] about How to Easily Lower Student Loan Interest