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Less-than-perfect credit history can make you feel like you are constantly facing roadblocks when you need to borrow money. Bad credit history can follow you around for years, even if you are in a much better situation than you were when your credit took a hit. The good news is that there are online personal loans for bad credit that may be the right fit for you if you need some extra cash. (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 updating your home on a budget. (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. (more…)

There is a long list of fun things to do in Phoenix for couples throughout the year. Phoenix offers all of the typical date night locales that you would expect to find in a city of its size. So, if you are looking for a traditional dinner and a movie, a quick online search will provide you with plenty of options. If you are looking for something fun to do in Phoenix that is exclusive to the area, there are a number of options that will provide a unique dating experience. (more…)

A title loan is a type of loan you can get that uses your vehicle as collateral. You can get a loan up to the value of your vehicle – car, truck, motorcycle, or recreational vehicle. The way you use the cash from the title loan is up to you. It is a flexible loan that does not have specific requirements when it comes to spending the money that you borrow. If you get a title loan from Tio Rico, you will have flexible payment options that include bi-weekly, semi-monthly, or monthly payments. (more…)

Many people make resolutions at the beginning of the new year. One of the most common topics for New Year’s resolutions is finances. If you have a low credit score, a worthwhile resolution is to build better credit. Your credit score is important in many aspects of your life. It can impact your ability to get a car loan, a mortgage, an apartment, and can also impact what you pay for things like car insurance. There are some proactive steps you can take to improve your credit over time. (more…)

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. (more…)

Much of the climate in Arizona may be arid, but you can still experience the magic of Christmas and a winter wonderland in some of the best Christmas towns in Arizona. You may be surprised to learn about the long list of Christmas and winter activities that are available throughout Arizona – if you know where to look. (more…)

DIY Christmas gifts can turn out to be some of the most meaningful gifts you can give. As an added bonus, you can save a lot of money on gifts by going the DIY route. Keep reading for 10 DIY Christmas gift ideas that are sure to be a hit. (more…)

If you are in a place where you need some extra money, a personal loan may be able to help. It is always a good idea to understand a financial product – and how it may impact you in the future – before you take it out. Keep reading to learn more about personal loans, how they can impact your tax return, and how you can qualify for a personal loan. (more…)

As the holidays approach, you may be feeling the financial pressure that comes with purchasing gifts, traveling to see family, and participating in all the extras that seem to pop up this time of year. (more…)

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. (more…)

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? (more…)

Multiple factors go into determining your credit score. The three credit bureaus (Experian, Equifax, and TransUnion) collect data about your financial situation and that information is used to calculate your credit score. (more…)

There is a lot of focus on how expensive it is to pay for tuition and books at college. It can be difficult to find the money for tuition and books each semester. Even if you have the basics of tuition and books covered, there is still a long list of other expenses that can add up when it is time to go back to school. (more…)

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 to save as much money as possible, it is a good idea to seek out back-to-school shopping tips that will help you keep costs down. (more…)

The median credit card debt among Americans currently stands at $3,100. If these numbers from Credit Karma are anything to go by, many Americans have credit card debt problems. Considering that the average household income is $61,937, most people use a considerable fraction of their annual income to reduce debt. (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 get some breathing room in your budget. (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 for retirement yet, this is the best time for you to begin investing in yourself – here are a few tips to help you get started. (more…)

Everywhere you turn it seems like someone wants to look at your credit score to make decisions about what you can and cannot do. Your credit score can impact your ability to purchase a car, get a cell phone, rent an apartment, and even land a job. It is important to have a good credit score so you have access to all the things you need, but there is a long list of reasons why your credit score may be low or nonexistent. Fortunately, there are a number of things you can do to start the process of building your credit. (more…)