The beginning of the year is always the best time to start a new habit, break an old one, and most importantly, set new goals. I know that New Year’s resolutions are very cliche, but they serve a good purpose. New Year’s resolutions usually fade away in March, but that’s because many people [...]

Craig and Blaine, Money Crasher readers wrote in response to my post about Paying Off Debt and Saving For the Future At The Same Time.
Blaine Wrote:
We are on one income while my wife is in law school, and still manage to build up our emergency fund and make extra payments against our [...]

How much do you plan to spend on holiday gifts? Will you use cash or credit and why?
Okay, that’s three questions, but whatever. At least they are somewhat related.
We’re probably going to spend about $1,200 on gifts this year. That includes gifts for each other (me and my wife). [...]

There are two schools of thought the argument of paying off debt first versus saving first and paying off debt slowly.
School of Thought #1: Some people believe that you should pay off all of your debt first before saving for the future or doing any kind of savings other than an emergency fund. [...]

If you read my blog long enough, you’ll soon realize that I hate credit cards, and I strongly dislike the people that work for credit card companies. I know that they are only doing their job, and I’ll never say that I hate someone unless they kill my first-born child or something, but here [...]

I was reading a couple of articles about paying your mortgage or rent payment with a credit card. There are some companies that are allowing you to use a credit card such as the American Express Blue Cash card to make mortgage payments. There is an enrollment fee of about $400 bucks, so [...]

I can’t think of anything I hate more than paying bank and credit card fees. I loathe it. I grit my teeth if I can’t find a way of getting the charges taken off of my account. Are you paying these 100% profit money-makers for banks? There is n o easier [...]

Have you made it your goal to stay out of debt this holiday season, or are you already calling your credit card companies to raise your credit limit? My advice is to pay for everything with cash this holiday season. You won’t regret your spending come January and February, and you won’t pay [...]

I read an article on Yahoo Finance today about the possibility of credit cards becoming the next debt product to crumble at the feet of large, private banking institutions.
An excerpt from the article:
The doomsday scenario would play out something like this: Just like CDOs and other asset-backed securities, credit card debt is [...]

Some of my most popular articles with the search engines are my articles about what to do when you’re upside down on a car loan. It’s one of the most searched phrases in the personal financial category. Being upside down on a car loan is extremely easy to acheive given the way cars [...]