Today, borrowing money has become a part of everyday life and most people that you speak to will have some sort of credit, whether it be a credit card, a car on finance, a personal loan, or even a smartphone contract. However, paying off several debts, along with making sure that you have enough money…

The Great Recession is officially well behind us. But, millions remain paralyzed by the debt that followed. CBS News reported, “The mounting pressure to pay bills is leading to an increase in debt-prompted, stress-related illness, experts and surveys say.” Debt is producing PTSD-like effects. It raises the heart rate and blood pressure. It increases risk…

The Best Financial Tips For Fresh Grads
There is no more exciting time in your life than graduating from college and going out on your own. I remember when I first stepped out into the world, feeling like I was now truly able to take charge of my life.  You are finally completely independent, and you can start to make decisions for…

5 Steps to Consolidating Your Loans
Getting out of debt isn’t easy. Sure, there’s the pain of having to tighten your belt and save enough to escape the “debt trap”. But there are also ‘right’ moves you can take to make your savings and efforts that much more effective. One of the smartest moves you can make when it comes to…

Credit cards – there they stand, shining and gleaming. Most newbies to the world of personal finance get sucked into its allure. With a flick of your pen you can purchase just about anything you want, and you don’t even have to think about it! You can enjoy the fruits of your future-self’s labor. It’s…