With the Federal Reserve reporting that Americans owe $1.021 trillion in outstanding credit card debt, having the facts about how to get out of debt has become more important than ever before. The good news is getting out of debt does not have to be as stressful, painful, or hard as you might think. Mostly, paying off debt requires focus, a changed perspective on spending, and the ability to separate the myths from the facts.
12 Myths About How to Get Out of Debt
Topics: Personal Finance, Credit Cards, Home, Life & School, Debt Consolidation
How Does a Home Equity Loan Work and How to Use it to Consolidate Debt
How Does a Home Equity Loan Work?
If you’re looking for a way to deal with debt that is both flexible and affordable, a home equity loan may be a good solution. For homeowners who have built up some equity in their homes, this type of loan allows them to borrow from the accumulated equity and use it to pay down high-interest debt. Here’s a closer look at how home equity loans work, and when they work well for debt consolidation.
Topics: Personal Finance, Home Equity, Debt Consolidation
Finding Happiness With Your Money: An Emotional Analysis of Spending
Topics: Personal Finance
Last-Minute Halloween Costumes Made From Things You Already Own
In need of a Halloween Costume? Maybe you got invited to a Halloween party last minute? You've decided to test your luck and are hoping the neighbors don't think you're too old to trick-or-treat. Maybe you're like me and just waited until the last minute to grab a costume, and the store is entirely out. Either way, Halloween is here, and you have nothing to wear. Don't worry, I've put together a list of last-minute Halloween costumes made from things you probably already own.
Topics: Home, Life & School, Seasonal
Finding a Better Mortgage Can be Tricky - Tips to Refinance with Ease
If you are thinking about refinancing your mortgage, then you know that this is a great way to save money on your monthly payment, shorten the term of your loan, or tap into the equity of your home for a home improvement project. At the same time, refinancing is like taking out a new home loan. For this reason, you need to know what to expect. There are a few tips that you should follow to make it easier for you to refinance successfully.
Topics: Personal Finance, Real Estate & Home Buying, Home Loans
For a girl like me who's obsessed with pink, there's no better month of the year than October. Not only do I love seeing things transform to my favorite color, but also being able to raise awareness for the important cause that pink stands for, Breast Cancer.
Topics: Seasonal
Ways to Achieve Your Goal of Renting Your First Apartment
Every 20-something dreams of the empowering feeling of renting their own apartment. While the prospect of moving out may seem daunting, it’s a significant step toward personal growth and responsibility. With your own place, you gain control over your bills and rent, marking a new level of financial independence.
In these economic times, money seems tighter than ever. Debt is rising, and savings are shrinking. And as a result, many have found themselves buried under a pile of unpaid bills and IOUs. If you find yourself in this situation, or even if you are financially healthy and interested in increasing your wealth, here are twenty-five practical ideas for you:
Tips for Decorating Your Home for Fall with Thrifted Pieces
Decorating my home for each season is one of my favorite things to get me into the spirit of the upcoming seasonal activities. Fall, in particular, is one of my favorite seasons to decorate for because it gives such warm and cozy vibes.
However, incorporating new seasonal styles and décor pieces into your home at each season change can be expensive. And, of course, with styles changing all the time, last year's trends are rarely still in style, making you feel like you have to go out and buy more to keep up.
This year, I decided to try decorating my home for fall with easy-to-find items from local thrift stores. In doing so, I found great pieces that can be reused each year and for multiple seasons, depending on how I style and mix and match them. Below are some of the items that I was on the hunt for:
Topics: Personal Finance, Seasonal
Three Reasons Why You Should Always Pay More Than the Minimum
Credit cards are a valuable financial tool for both individuals and businesses–but they come at a price.
Topics: Coastal Carolina University