Our Blog

Recognizing and Dealing with Sketchy Debt Collector Tactics

25 Feb, 2018 / By Jennifer Hamilton

Every year there are thousands of people that are victimized by fraudulent collectors, and are intimidated by tactics that are extremely abusive so that they often end up paying the debt simply to stop the harassment of themselves, as well as their family, friends and employers. However, even if you fall behind on paying your bills you don’t have to subject yourself to foul play. State laws as well as the Fair Debt Collection Practices Act provides a very strict set of rules that bill collectors

READ MORE

Money Saving Starbucks Hacks

02 Feb, 2018 / By Jennifer Hamilton

If you love your Starbucks fix, but your wallet is not as fond of your habit, you are in luck because there are ways to get your fix while saving money. These simple tricks will help you chop your Starbuck’s bill down while still allowing you to get your caffeine fix – it’s a win-win for everyone and the baristas never have a problem with any of these orders. Iced Lattes on the Cheap If iced lattes are your vice, there is an easy way to get one for almost half of the regular price. Instead

READ MORE

Credit Implications Associated with a No Spending Limit Credit Card

18 Jan, 2018 / By Jennifer Hamilton

Most credit cards come with a credit limit which is usually based on several factors determined by the credit card issuer. On the other hand, with a No Preset Spending Limit Card, cardholders do not have a spending limit defined by the credit limit on their card. Instead, the limit of expenditure is decided based on payment history, income, and spending patterns. This preset limit can change, and often you can increase your limit simply by requesting it. Many people wonder if obtaining these types

READ MORE

Alternative Options to a Securing a Personal Cosigner

18 Jan, 2018 / By Jennifer Hamilton

Perhaps you need a car loan in order to get to work, and although you know you’ll be able to make all the payments, you don’t have enough of an income or your credit score is too low in order to obtain one. Or perhaps you want to rent an apartment right out of college, but don’t have a steady income yet. A co-signer can solve any problem you have with getting a loan or lease. That being said, it’s reasonable that you don’t want to compromise your loved one by asking him or her to co-sign.

READ MORE

Surprising Ways Volunteering Can Save You Money

10 Jan, 2018 / By Jennifer Hamilton

A multitude of recent research is shedding light on the real power of volunteering. In fact, the old saying, that those who serve almost always benefits more from it than from those who are served rings true. Whether you are ordered by a court to perform community service, are required to do it for a class, or feel the desire to help out, you’ll find volunteering to be an extremely enriching experience and on top of that, you may even find several financial benefits to doing so. Let’s take a

READ MORE

What is Life Insurance with Critical Illness?

05 Jan, 2018 / By Jennifer Hamilton

Life insurance policies are often thought to be a product that you buy to provide financial protection for your family in the event of your unexpected death. While this may be the main function of life insurance, this doesn’t mean that your policy can’t offer you benefits during your life as well. Many people like to think that if they take care of themselves, they can avoid serious illnesses. Sometimes, however, critical illnesses occur. If you are concerned about a critical illness affecting

READ MORE

Negative Items That Can Easily Be Removed from Your Credit Report

21 Dec, 2017 / By Jennifer Hamilton

Your credit report is like your window to your financial life. A bad credit score can hurt you in more ways than you think. Suddenly getting a loan is difficult, insurance companies might frown upon you, and even getting into a school or getting a job could bring more hurdles than you ever imagined. Luckily, there are a few simple ways to easily remove negative items from your credit report, making it possible to boost your score and give yourself a better financial picture. Withdraw your Authorized

READ MORE

How to Host Thanksgiving Dinner for Less Than $30

20 Dec, 2017 / By Jennifer Hamilton

When you are on a tight budget, Thanksgiving can be a stressful time. After all, the price of food seems just to be going up. However, you can put together a delicious Thanksgiving dinner for $30 or less just by using some of these ingenious cooking tips. We’ve come up with nine tips to host a wonderful Thanksgiving meal full of cheer and spending time with your loved ones while still staying within your budget. Here are nine ways to spend $30 or less on your Thanksgiving meal. Use Canned and Boxed

READ MORE