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…)
Sometimes you need money quickly and do not have the time to save up or wait until the next payday. If you have a car registered in your name, then you have an option for getting the cash you need without a long wait. You can get a registration loan in Phoenix in as little as thirty minutes and leave with the money in hand. Learning a few basics about getting a registration loan will help you determine if it is the right option for you. (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 down again and they have to start over. (more…)
According to the Chamber of Commerce, personal loans are the fastest-growing type of consumer lending in the United States. Personal loans are typically unsecured and range anywhere from $100 to $100,000. The average is around $8,000. Borrowers often use personal loans to consolidate or pay off their credit cards or student loans. There are currently more than 20 million personal loans outstanding in the United States. (more…)
Your car broke down on the way to work. What are you going to do? If you don’t have an emergency fund, you may need a loan to cover the cost of the car repairs. Cash loans on car titles, also known as auto title loans, allow you to borrow money using the equity in your vehicle as collateral. Cash loans on car titles allow you to get money quickly–sometimes in as little as 30 minutes. Read on to find answers to common questions about auto title loans. (more…)
Does COVID-19 have you cooped up in the house with nothing to do? How about a scenic drive with your family? If you live in the Phoenix area, there is plenty of beautiful scenery to cure your cabin fever. Here are three scenic drives in the Phoenix, AZ area. (more…)
Many Americans live paycheck to paycheck with no savings to speak of. Maybe this describes your situation. You work hard, but there just isn’t enough money left over after paying the bills. What happens if you have a medical emergency or your car breaks down? You need money to take care of the emergency right away. (more…)
There are a lot of myths about Arizona title loans. If you’ve never taken out a title loan before, you might not know what to expect. This article will clear up some misunderstandings about Arizona title loans and give you a better idea of what to expect. (more…)
Registration loans, also known as title loans, are an option for Arizona residents who need money quickly due to some sort of emergency. Unlike title loans, you do not have to own the vehicle free and clear to qualify for a registration loan. However, the vehicle must be registered in your name. But how much can you get for a registration loan? You might think it is based on the value of the vehicle, as is the case with title loans, but it isn’t. (more…)
It’s been a rough year for a lot of people, but there are still things you can do without spending a lot of money. In fact, some of the best places for tourists to go are absolutely free. Here are eight hidden gems in Arizona that won’t cost you a cent. (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 any more money than you were before. There has to be a better way—and there is. You must take control of your money instead of letting it control you. Here are six money management tips that will help put you back in the driver’s seat. (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 no need to spend more than what you need if you are hosting this year’s big dinner. You can have a bountiful meal for your family and friends and stretch your dollar to get more for your money. Here are a few simple tips to cut costs and enjoy the day. (more…)
The holidays can be the most wonderful time of the year, but the season can also be a costly time of the year. With the hustle and bustle of the season comes added expenses—gifts, gatherings, groceries, and, if you are going home for Thanksgiving or at Christmastime—travel. If you, or you and your family, are planning to travel anytime during the holiday season, to save money on travel, it is essential to plan. Whether flying or driving, here are 5 ways to save money on travel this holiday season: (more…)
A few cheap Halloween ideas can lead to big savings this October. Between purchasing loads of candy and treats, having multiple costumes and spooky decorations inside and out, the costs of Halloween can be frightful and add up too quickly. Fortunately, there are a few ways to save scary amounts of money and have a good time this Halloween. Here are a few ways to save and enjoy the holiday. (more…)
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