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The old cliché that it’s better to buy experiences than things is true for so many of us, but actually being able to afford those experiences is another story. In 2017, 74% of people said they’d gone into debt just to go on a vacation! We desperately need the getaway, but we are spending beyond…

If you were to be graded right now on how well you manage your credit and finances, you would likely be assigned a three-digit figure. This figure indicates your credit score. And just like in school where low grades are frowned upon, having a poor credit score is bad news. With that said, you should…

We make money in two ways: one is by working as an employee or for yourself as an entrepreneur. The other is making money work for you, by way of investing. Investing is an essential aspect of growing wealth. If you’re keeping all your assets in the bank or store your cash under the bed,…

Any new business requires financing for it to launch, prosper and move forward. Without money, your company will never get off the ground, more so grow and expand over time. It’s a fact that both new and seasoned entrepreneurs have to deal with. As daunting as it may sound to come up with financing for…

What can you do when you’re deep in debt? Debt has become a normal part of modern life. From using the credit card for everyday expenses, studying college to getting your first home, it can be said that debt has become quite a staple. It is not surprising to meet another American with some sort…

Use a Credit Card Responsibly to Build Your Credit The credit card is one of today’s most essential financial innovations. Imagine being able to shop with just a piece of card and not have give cash at the checkout counter. The credit card is so incredible for its convenience. But what some people don’t realize…

Fast cash or payday loans are some of the most accessible financial instruments in the market today. It allows customers to borrow a couple of hundred dollars which are made payable on the next paycheck. Unlike other types of loans, payday loans are the easiest ones to qualify for, making them a seemingly good solution…

Forty years ago, college was a privilege. Only those planning to go into specialty fields were directed to apply. And those who graduated walked into the workforce with a huge advantage and major financial pay-offs. Today, the number of people who graduate from college has doubled. A college degree is almost as necessary as a…

Debt is like the elephant in the room in most American households. It’s so rampant that in 2017, the Federal Reserve says that Americans have an accumulated amount of $905 billion in credit card debt. Meanwhile, the rate of inflation has outpaced the rise in income. Year after year, the price of basic commodities like…

If you are a college student or a parent of one, you probably know how much college education costs nowadays. According to the data from the College Board in its Trends in College Pricing Report, the average tuition for public college for the school year 2017-2018 is approximately $9,970. Three decades ago, that was just…