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Erik Folgate

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.
90 Day Cash Trap

Stay Away From The “90 Days, Same As Cash” Trap

So you go out one weekend to look at furniture. That couch with the funky smell and the 1970's style dining room table just aren't cutting it anymore. You don't really have the money...
Principles Avoiding Scams

The 11 Principles Series: Avoid Scams and Financial Predators

The old saying, "If it seems too good to be true, it probably is too good to be true" can help you save a great deal of money in your lifetime. At some point...
Creative Ways Earn Incomes

The 11 Principles Series: Find Creative Ways to Boost Your Income

You don't need to explain to me that it is tough to aggressively pay off debt, save an emergency fund, and save for a down payment on a house after paying all of the...
Universal Review Default Rate

Universal Review and Default Rate Disclosure

Did you know that if you're close to reaching your credit limits on some of your credit cards, the interest rate on a completely unrelated credit card can get jacked up? Or if you...
Save Money From Lease

Save Money And Get Out of Your Car Lease

It's no secret that our wallets are really taking a hit from the astronomical gas prices. My wife and I both own small cars, so we do not get hit as hard as people...
Options For Auto Insurance

Alternative Settlement Options For Homeowner’s and Auto Insurance Claims

Your homeowner's insurance and auto insurance are extremely important to staying financially healthy. Your home is one of the most important assets you own, and protecting it should be a top priority. Your automobile...
Sell Home Using Craiglist

Using Craigslist To Sell Your Home

You have heard me talk about the use of craigslist for selling your home, and I would be a hypocrite if I didn't try it myself. We have been trying to sell our condo...
Selling House Fast

Sell Your House In Less Than 60 Days

Do you have what it takes to sell your house in less than 60 days? Do you believe that it can be done? Many people begin to wonder about houses that stay on the...
Identity Theft Insurance

Look Into Buying Identity Theft Insurance

Last Tuesday, Dateline started a piece about identity theft. They have done segments on identity theft in the past, but this is an ongoing series that is going deep into the life and behind...
Putting Home For Sale

Now Is The Time to Start Putting Your Home Up For Sale.

Real estate agents will tell you that the spring is the best time to list your home for sale. This is because it starts to warm up a little bit, and for some reason,...
Holiday Scam Artists

Watch Out For Holiday Scams and Scam Artists

Unfortunately, the holidiays bring out the best and the worst of people.  Scams are most commonly found around the holidays, and consumers need to be educated about what to look out for when going...
Down Payment House

Would You Rather have a Down Payment On a House or a Nice Wedding?

Before I begin, do not take me as being cynical when it comes to weddings or getting married.  I am married and I had a fairly large wedding in terms of guest size and cost. I...