Advertiser Disclosure

Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. does not include all credit card companies or all available credit card offers, although best efforts are made to include a comprehensive list of offers regardless of compensation. Advertiser partners include American Express, U.S. Bank, and Barclaycard, among others.

Home Authors Posts by Amy Livingston

Amy Livingston

Amy Livingston is a freelance writer who can actually answer yes to the question, "And from that you make a living?" She has written about personal finance and shopping strategies for a variety of publications, including,, and the Dollar Stretcher newsletter. She also maintains a personal blog, Ecofrugal Living, on ways to save money and live green at the same time.
mortgage scam mousetrap

Mortgage Relief & Loan Modification Scams You Should Watch Out For

The Johnsons were terrified of losing their home. Mrs. Johnson had recently lost her job, and they just couldn't meet their mortgage payments on one income. When they saw the flier promising to save...
foreclosure fome signage for sale in front of house

How to Stop & Avoid Foreclosure on Your Home

In 2017, more than 676,500 American homes went into foreclosure, according to Attom Data Solutions. That's roughly 1 out of every 200 homes in the country. This is better than the peak rate in 2010 when...
teddy bear holding flowers as graduation gift to graduates

18 Graduation Gift Ideas for Her & Him on a Budget

As the school year draws to a close, eager high school and college students are looking forward to graduation - and their friends and relatives are looking forward with a mixture of pleasure and...
calculator with bills beside computer keyboard on wooden table

17 Reasons Why You Should Get Out of Debt – Benefits of Being Debt-Free

Debt is a common fact of life in America today. According to a 2015 report from the Pew Charitable Trusts, roughly eight out of ten Americans have debts, with an average of $67,900 per...
smiling caucasian woman

Cooking for College Students – Easy Recipes for a Dorm Room

College students these days have packed schedules. When you're rushing around campus all day, it can be hard to find the time to eat a meal, let alone cook one. That's why most students...
persona loan text on the laptop screen

What Is a Personal Loan – Pros & Cons of Getting One

The Lopez family was excited about finally getting to remodel their kitchen, something they'd been wanting to do for over a year. However, their excitement transformed into anxiety when their contractor told them the bills...
romance scam warning

How to Avoid and Protect Yourself From Online Dating & Romance Scams

When Candace first met Eric on an online dating site, he seemed like a dream come true. After a rough divorce the year before, she was thrilled to meet a man who shared her...
group of business people

7 Types of Financial Advisors & Professionals and When to Hire Them

There are some jobs in your life that you can handle by yourself, and others that you leave to the pros. For instance, you probably do simple car repairs yourself, such as changing a headlight or an...
net neutrality

Net Neutrality Explained – What It Is and Why Internet Regulation Matters

A few months ago, two salespeople showed up at my door trying to persuade me to switch my Internet service to Verizon. When I declined, explaining that I didn't want to support Verizon because...
couple shopping online

6 Ways to Build Credit Without a Credit Card

Millennials tend to be much more skittish about credit cards than previous generations. A 2016 Bankrate survey found that 33% of people under 30 had a credit card at all, compared to 55% of people...
sad middleaged man

How Feeling Poor Hurts You – and How to Stop It

Which would you rather be: a multimillionaire whose friends and neighbors are all billionaires, or a worker making $10 an hour in a neighborhood where most people are scraping by on minimum wage?Speaking strictly...