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Erik Folgate

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Erik and his wife, Lindzee, live in Orlando, Florida with a baby boy on the way. Erik works as an account manager for a marketing company, and considers counseling friends, family and the readers of Money Crashers his personal ministry to others. Erik became passionate about personal finance and helping others make wise financial decisions after racking up over $20k in credit card and student loan debt within the first two years of college.
Unauthorized Bank Account Transactions

How To Respond To Unauthorized Transactions In Your Bank Account

This past weekend, for the first time in my adult life, I was the victim of identity theft. We were walking into the movie theater about to sit down for a movie, and I...
7 Things Buy Cheaper

7 Things That Are Getting Cheaper To Buy

We ALWAYS notice when something gets more expensive, but do we notice it when prices fall? We should, because the prices probably won't be falling forever, so you need to take advantage of falling...

iPhone 4 Review: Should You Make The Upgrade?

Ever since I got the iPhone 3G about 16 months ago, it has been a gateway drug to Apple for me. I was so in love with it, that it caused me to buy...
Tithe While Paying Off Debt

Should You Tithe While Paying Off Debt?

For those of you that are a part of a religious institution such as a church, temple, or mosque, you probably wonder if it's prudent to be tithing while trying to get out of...

iPad Review: Should You Buy It?

After a ton of hype, Apple's iPad came out two Saturdays ago, and ever since then there have been thousands of articles written about it and the analysis has been all over the place....
25 Online Freelancer Resources

25 Online Resources For Freelancers and Small Businesses

Last week I revealed to you how my best friend and I started a side business doing internet marketing for small businesses and one reason for our success was that we found clients before...
Avoid Getting Ripped Off Craigslist

How To Stay Safe And Avoid Getting Ripped Off On Craigslist

  I was listening to the Clark Howard radio show today, and a guy was asking Clark if he should buy a car on Craigslist without ever seeing it. He said he was tempted, because...
Financial Moves Make Beginning Year

5 Financial Moves To Make In The Beginning Of The Year

The new year is full of promise and optimism by many of us. I always chuckle when I go to the gym in early January, and I notice that about three times the amount...

Analyzing the 75/25 Method As A Debt Reduction Plan

Tonight, I participated in a personal finance chat on Twitter with the hashtag #bp, which stands for Budget Pulse, which is the company that hosts the chat at 7pm on Wednesday nights. This was...
Dealing With Claims Adjuster

How To Deal With A Claims Adjuster When You Disagree On Price or Scope

A reader sent this question to us about a water damage claim she is dealing with that occurred in her home. I was a claims adjuster for three years, and I definitely know that...
Americans Becoming Frugal

Americans Are Becoming More Frugal And Saving More Than Ever Before

I always find it humorous when I read an article that makes it sound like Americans becoming more frugal is a bad thing. This article from McClatchy reveals that Americans are becoming more frugal...
Improve Financial Situation

When Should You Sell Your Home To Improve Your Financial Situation?

Owning a home can be a great blessing, but it can also be a great burden. There are many advantages to owning a home like building equity, the freedom to customize it, and various...