Credit & Debt

Debt Reduction Course Just Launched

Many of you know Adam Baker–he’s the adventurous blogger who moved with his family to Australia a few years ago, came back, and then embarked on a year-long RV trip around the United States. Baker’s blog, Man vs. Debt, has over 15,000 readers at last glance, and Baker continues to pump out new material on [...]

5 Reasons Why 0% Financing is a Horrible Idea

I recently overheard a conversation about buying a car on 0% financing because it was too good to pass up. Here are 5 reasons I think this is the wrong approach.

Foreclosure Not So Bad, Says TransUnion

Earlier this week, Housing Wire ran a report that suggested mortgage defaults are not a good predictor of future loan problems.

Afraid to Swipe? One Way to Increase Debit Card Safety

Many of you are stuck in an interesting Catch-22: You believe that credit cards lead to over-spending, but you like the protection they provide to your checking account. I believe I have a solution.

Are Credit Card Rewards Causing You To Overspend?

For years, I’ve advocated for credit card use, partly because of the rewards they offer. Lately, I’m starting to second-guess myself. What’s your take on this?

Keeping Your Credit Cards Still Makes Sense

Lending Tree recently asked me to write a short piece about why it’s not time to throw away your credit cards yet. Here are a few of the points I made.

You CAN Use Your Credit Card for Emergencies

The commonly accepted thinking in the personal finance community is that you should leave your credit card at home when emergencies arise. In many cases, I beg to differ.

The Ideal Number of Credit Cards

Some advocate that the ideal number of credit cards is zero, and for many people, that’s just right. But if you believe that credit cards can be a helpful tool and want to use them, what’s the ideal number to have? I think it’s two, and they would preferably be different types (Visa, American Express, [...]

Too Much of a Good Thing?: Mortgage Prepayments

Gary Foreman takes a close look at mortgage prepayments, and how it can easily be overdone. Keep it simple, people, and make sure you read this post!

How To Live With Bad Credit (Half of Us Do!)

Reviewing Living Well with Bad Credit, a source book with ideas on how to deal with bad credit, and how to live your life while you repair it.

Get a Second Job and Quit Whining About Debt

Guest post from Jeff at Deliver Away Debt. Jeff discusses getting a second job as a debt repayment strategy. What do you think?

Should You Pay Off Your Mortgage or Credit Card?

More and more people are electing to pay their credit cards, rather than their mortgages. I analyze the trend and provide some of my own observations.

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