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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.
Save Money Buying Laptop

How To Save Money Buying A Laptop For A College Freshman

All universities and colleges have followed suit with the rapid growth in internet technology over the past ten years, and it is now essential for college students to have a good computer for school....
Use Linkedin Effectively

How To Use LinkedIn Effectively To Further Your Career

Social media the "in" thing right now, and I don't think it's going anywhere for a long time. We are naturally social creatures. We like interacting with each other, sharing opinions, debating with each...
Save Money Using Google Shopping

How To Save Money Using Google Shopping

My best friend recently saved over $100 buying contact lenses using Google Shopping and a company willing to price match any internet prices he found that were lower than their prices. I will use...
Minimum Debt Payments

What To Do When You Can’t Pay Minimum Debt Payments

There's no doubt we have gone through some hard economic times, and some of you have had a hard time paying all of your bills each month. There's no need to be ashamed of...
Managing Lump Sump Money Inheritance

How To Manage An Inheritance Or Lump Sum Of Money

At some point in our lives, we ponder the question, "What would you do if you were given a large sum of money?" We usually answer the question with a bunch of wishful thoughts...
Car Allowance Rebate System

The Car Allowance Rebate System And Scams to Avoid

The Car Allowance Rebate System was signed into law last week, but there are already scammers out there trying to phish information from consumers looking to trade in their old cars. Here are some...
Reverse The Debt Cycle

How To Reverse The Debt Cycle

What is the debt cycle? The process of spending more money than you make on a consistent basis that forces you to borrow money each month to reconcile the deficit. How To Get Out Of...
Five People Money Tips

Five Money Tips For People Not Struggling During The Recession

There are many people struggling right now to pay their mortgage and other bills because they either lost their job or bought a house they could not afford. However, for every person struggling right...
Websites Help Earn Extra Money

10 Websites That Help You Earn Extra Money

We are all searching for new and innovative ways to make extra money. I have spoken many times about the importance of not relying on one stream of income. I worry greatly about families...
Make Extra Money

Make Extra Money While You Are Looking For A New Job

The worst part about an economic recession are the jobs lost by hard working individuals around the country. The United States has seen a spike in unemployment in the past year, and most of...
Financial Advice From Robert Kiyosaki

The Financial Advice From Robert Kiyosaki During Economic Recession

Maybe you can figure out what Kiyosaki is trying to say in this article about bad financial advice Basically, he bashes traditional financial advice, which tells us to ride out the waves of the stock...
Holiday Gift Cards

The Top 10 Gift Cards To Buy For The Holidays

Many holiday shoppers strive not to buy gift cards for their friends and families as gifts, because the notion is that you took the easy way out of buying someone a gift. Personally, I...