High monthly debt payments hijack your ability to reach other financial goals by limiting your ability to build an emergency fund, contribute toward retirement, and save to make large purchases. Fortunately, there are proven ways to eliminate many types of debt other than making minimum payments, from organizing debt to getting a title loan. How… Read more »
For many people, a grocery budget represents an opportunity to reduce expenses for the entire household. Saving money on groceries can be difficult with rising food costs, however. Some people may choose to finance their grocery expenses differently and wonder how to get an installment loan with bad credit. At Tio Rico, we can help!… Read more »
When it comes to giving gifts, it’s the thought that counts. The good news is that you can stick to your holiday budget (or even look into a same day personal loan!) and give your loved ones gifts that show them how much you care. Here are five thrifty gifting ideas to provide you with… Read more »
The best time to plan your Christmas spending is before the holiday season begins. Many families feel a financial pinch throughout the beginning of the new year as they try to recover from holiday spending. Gifts, extra food, celebrations, time away from work, and travel expenses can add up quickly. Luckily, there are options, such… Read more »
Hanging out with friends, auto expenses, electronics, and saving for future expenses like college and big purchases are just some of the things today’s teens need to fund. There are many ways teens can earn money. Read on to learn how to earn money as a teenager.
Do you have credit card debt? Retail store credit? Student loans? Are you making payments on a payment plan to the IRS or for medical debt? These are common forms of debt that people live with. But if you would rather not live this way, you need to start following the good financial habits of… Read more »
Monthly rent or mortgage payments, trying to build an emergency fund, planning for retirement, or even choosing between groceries or other necessities and paying utilities – many people struggle with money issues on a regular basis. You should be able to feel comfortable with money issues and confident that you can manage them instead of… Read more »
One accident or illness can take you from having zero medical debt to owing hundreds or thousands of dollars. Even if you have quality medical insurance, there can be high costs that you have to pay out of pocket when there is a medical emergency or planned procedure. If medical bills are looming over your… Read more »
If you are looking for ways to make quick money online, there are a number of options. You can do something as simple as selling unused household items online or start a side hustle that has the potential to turn into a full-fledged career. Keep reading to learn about 3 quick ways you can start… Read more »
Updating your home can make it feel like a brand-new place. A few well-planned updates can transform your home without breaking the bank. You do not have to save for a major renovation or replace every piece of furniture you own in order to make your home feel updated. Keep reading for some tips for… Read more »
Everyone has times in life when they need a little extra money. If you find yourself out of work or needing a little extra cash to buy the things you need, there are a number of creative ways to make money. Keep reading for a few ideas that you can implement quickly.
As one year ends and a new one approaches, many people reflect on what is working and what’s not. If you feel like you end every year frustrated about your financial situation, it is time to take a new approach.
Cyber Monday is a shopping day that can save you lots of money and has the added benefit of not requiring you to actually go out and fight the crowds. Now, more than ever, people are turning to online shopping to get most if not all of their holiday shopping done.
In the world of personal finance, there are some topics that can be confusing when you first encounter them. One of those topics is good debt vs bad debt. If you have recently heard these terms for the first time, you may be wondering: What is good debt? What is bad debt?
The back-to-school season is a busy time of year for parents of school-aged children and college students. There is always a lot to do – and a lot to buy – in order to get ready for the upcoming school year. The costs associated with getting ready for school can quickly add up. In order… Read more »
Being deeply in debt is, unfortunately, becoming more and more common. Credit card debt, student loans, and car debt can quickly add up and cause you to feel like you are drowning in payments. Setting a goal to reduce your debt to a more manageable level – or pay it off completely – can help you… Read more »
Most employed Americans do not save up for retirement. According to research conducted by Bankrate, more than 21% of the American population does not save any of their yearly income. This is a concerning figure because experts recommend saving between 10% to 20% for your retirement. If you have not taken action and started saving… Read more »
Unexpected car repairs can be expensive, and they can cause financial hardship if you don’t have money set aside to deal with emergencies. Many people find themselves caught in a cycle where they have to borrow money to pay for car repairs, and then about the time they pay off the loan, the car breaks… Read more »
Whether you earn $30,000 per year or $60,000, somehow it never seems to be quite enough. Our bills tend to rise as our income does. You get a raise and take out a loan to buy a car. Now your raise is going straight to your car payment and it doesn’t feel like you’re making… Read more »
Thanksgiving on a budget doesn’t mean you have to go with less. It simply means developing a strategy to spend less. Most people shop for Thanksgiving dinner a few days beforehand, shop impulsively when doing so, and spend a small fortune. It doesn’t have to be that way. Thanksgiving is a special holiday, but there’s… Read more »
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