Build Good Credit Habits In 5 Steps
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How Do I Monitor My Credit?
As many of you know, I went through the awful experience of having my identity stolen. Identity theft has quickly become one of the top complaints to the Federal Trade Commission and it doesn’t show signs of slowing down!
Banks used to be robbed, primarily because that was where “the money was at,” but today, when [...]
What Will YOUR Children Inherit From YOU? 10 Hard Questions To Ask Yourself
I think few people would disagree that children learn much of their life skills from their parents. From parenting, to work ethic, to spousal relationships, to personal finance, the most important things in life that children learn are those taught by the example of their parents. That isn’t just a broad opening statement, it’s truth [...]
My Ex-Spouse Cosigned a Loan - Am I Liable?
I recently received an email from a reader who was concerned about a loan that her ex-husband cosigned with his nephew.
Hi, Ron. A couple of months ago, my ex-husband cosigned a loan with his nephew to help him get a pickup truck to use in his lawn care business. He hasn’t been able to get [...]
The Truth About Your Credit Score (from an expert)
I recently had the great pleasure and honor to conduct an email interview with Barry Paperno from myFico.com. Barry is an expert in the field of credit scoring. My questions were selected from things I personally wondered about, as well as some questions I’ve been asked by readers in the past. Here is the interview [...]
How I Teach My Kids About Money and Life By Using Bricks
photo credit: dewfall
JD at Get Rich Slowly posted that small changes are the building blocks of financial success. I couldn’t agree more. The little blocks that make up every decision we make are what constructs our lives, financial, spiritual, emotional, psychological, occupational, and every other “—tional” you can think of.
Just like a building is [...]
For Sale To The Highest Bidder: Your Identity
Your identity is one of your most valuable personal assets. It defines who you are. It can save you big money when applying for loans (if you protect it), or it can cost you big bucks when an unauthorized person uses it. Identity thieves are buying complete identities… names, Social Security numbers, addresses, dates of birth, functioning credit card numbers and more for as little as two dollars.
Turning Around Your Financial Life (Part 2 of the story)
Yesterday’s post, Bad Debt Leads to a Bad Job and a Rough Life, hit home with quite a few people. Today, the saga continues, but in a different direction…
“Pregnant? You mean–with a baby?” Chris felt lightheaded and like his legs were made of rubber. Still, he gathered himself enough to hug Lisa and pretend that [...]
Bad Debt Leads To A Bad Job And A Rough Life
Chris felt like he had been kicked in the stomach when he saw how much he and Lisa would have to pay each month. “How are we going to make it? We have almost no disposable income as it is after car payments and insurance and the credit card!” Lisa tried to calm him down and told him that “things will work out somehow, they always do,” but Chris was inconsolable. “I’ll just have to get a better job,
Creditors Have Better Memories Than Debtors
Creditors have better memories than debtors.
—– Benjamin Franklin, Poor Richard’s Almanac (1758)
Have you ever lent someone some money and then wondered how to get them to pay you back? Maybe you KNEW you shouldn’t lend it, but you felt pressured to help them out. Maybe you dropped a few hints, maybe you even brought it [...]
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