The Top Articles to Help with Personal Debt

If you obtained a mortgage at any point from 2010 through early 2022, there is a good chance your mortgage rate is at or below 4.50%.

When you are in debt, it may feel like you are digging yourself deeper with every dollar you spend. And as the bills start mounting and collection agencies are pressuring you to pay, it’s easy to panic and forget your priorities. However, knowing the four walls of budgeting can help remind you what is most important in your budget. So if you are having a hard time making ends meet, here are a few ways you can strengthen your four walls of budgeting and get closer to your financial goals.

Hard money loans are one of the more popular options for buying fixer-upper homes to renovate and resell for a profit. While there are alternatives available – such as using a traditional or renovation mortgage – hard money loans usually fund far faster and are less restrictive. If you’re considering a hard money loan for an investment property purchase, here’s a look at what hard money loans are and the typical requirements for a hard money loan.

Every American knows that healthcare costs are expensive. Even if you have health insurance or Medicare, it isn’t always easy to find affordable prescription medications. Once you reach your annual spending limit, there is a coverage gap. This leaves patients to pay out of pocket for the medicine they need.

When a person has high out-of-pocket medical expenses, figuring out what to do can be a challenge. Fortunately, there are potential solutions. In some cases, Care Credit may give you a simple way to handle the costs, settling your balance with your provider right away. Plus, Care Credit often runs promotional programs that may allow you to avoid interest while you pay off what you owe.

After I had been in college for about a month I went on the Chase app and saw my checking account balance. To my surprise, I noticed that I only had 20 dollars left out of the initial amount that I was given for my first semester. In addition to only having 20 dollars left I had my credit card bill payment coming up soon so I was in a state of intense stress as not paying my bill on time would affect my credit score.

​Many teens think they know almost everything – that is until they have to experience adulthood for themselves. Parents of adult children will likely tell you that when their children were teens they, as parents, “knew nothing,” but when the magic of adulthood came around, everything changed. Your teens may even think they know how to budget. As a parent, however, you know that it’s not always easy to make and stick to a budget. So how do you teach teens about budgeting? At Wealthy Habits, our goal is to make the conversation easier and a lot more fun for both parents and teens. Here are three tips we share in our online parent webinar, How to Teach Your Kids About Budgeting.

College ignites excitement and thrill. You are finally independent to explore new cities, follow your own schedule, and more! But with this new found freedom there is also anxiety and intimidation. College is a new environment that requires adjustment. A major change is controlling your personal finances.

College ignites excitement and thrill. You are finally independent to explore new cities, follow your own schedule, and more! But with this new found freedom there is also anxiety and intimidation. College is a new environment that requires adjustment. A major change is controlling your personal finances.

You can buy cheap clothes and still look stylish. However, there is no denying that buying an array of clothing can be expensive. One way to cut costs is to buy second-hand clothes. But there are ways to buy new clothes without spending a fortune on your wardrobe if you want something new. This blog post will show you 15+ of the best places to buy cheap clothes.