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12 Best Ways to Manage Your Credit Cards

Credit cards can be very convenient and useful if you know how to use them properly. Being responsible with credit cards can help you avoid  a lot of financial heartache. Before charging everything on your credit card, it is helpful to learn how to manage the card. Many people get a credit card for easy access to spending money without realizing the negative effects it can have.

The Pitfalls of Pay Day Lending

In a financial emergency a Pay Day loan may seem like a lifesaver, especially if you have poor credit, have no savings, or think a traditional loan is somehow out of your reach. Pay Day loans also seem more accessible, since you can find a Pay Day lender in a storefront or pawn shop. You can even find them online.

How to Transfer Ownership of a Car

Do a quick search online about buying a car and you’ll find hundreds of articles talking about every aspect of buying a car from pre-shopping research to getting the best rate on an auto loan. However, there’s one major aspect of buying a new car that is relatively ignored—transferring the car’s title.

Good Debt vs. Bad Debt

According to most financial gurus, one of the best ways to improve your financial situation is to get rid of debt. In general, this is good advice. Owing money you can’t afford to pay back can haunt you for a long time, and it could potentially wreck your credit if you’re not careful.

The Basics for Needing a Cosigner on a Loan

You went to apply for a loan, positive you would be approved, only to be told by the financial institution that you need a cosigner. That can feel like a blow to your confidence. You may even be wondering what a cosigner is exactly. How do you choose someone to be your cosigner, and more importantly, what can you do if you can’t find a cosigner? Here we layout the basics of needing a cosigner for your loan.

Should You Take Out A Loan To Buy Hobby Gear?

A personal loan can provide you with the funds that you need to buy equipment for your hobby. However, it is important to note that there are several things that you will need to know before taking out a loan. Learning all that you can about loans before you take one out will ensure that you will get the best deal on one.

The Importance of a Preapproved Auto Loan

More people are taking out auto loans than ever before. According to a 2017 report, over 107 million American adults have an auto loan. That’s 43 percent of American adults!

Should I Refinance or Consolidate My Debts?

If your debt levels are becoming burdensome and you’re struggling to make monthly payments it might be time to consider either refinancing your debt or a debt consolidation loan. These two debt management options are both relatively quick and easy ways to bring your debt under control. We will explore their differences along with examples of when each option, debt consolidation vs refinancing, might make the most sense for your situation.

How Can I Afford the Car of My Dreams?

Life is short, and you understandably want to enjoy life on your own terms. Many people have a dream car that they would like to cruise around in regularly, and they keep their dream of ownership in the back of their mind for years. You could be included in this group of dreamers, or you could take practical steps to make it affordable to own the car that you really want.

Debt Forgiveness vs Debt Consolidation: Which is Better?

When you are struggling with large amounts of debts owed to multiple creditors, it’s understandable to want to ease the burdens and simplify your finances. There are a variety of debt management options out there and it’s important to understand your choices. Two very common solutions people consider when dealing with out of control debt are debt forgiveness plans or a debt consolidation loan. Here we review what debt forgiveness is and what a debt consolidation loan is, and then discuss their advantages and disadvantages.