consumer debt
Christmas gifts that keep on giving
Anyone who has lived on the margin has likely felt the anxiety that comes with having just about enough to get by. That’s why I’d like to suggest a holiday present that can make a short- or long-term difference in someone’s life –Â the gift of breathing room.
Got a barely-afloat friend or family member or one who is inching toward the red side of the ledger? Even a small amount of leeway could be extremely helpful (maybe even life-changing) to unemployed or underemployed friends and relatives, single parents, retirees or recent college grads.
The freeing-up of even $20 from someone’s budget could become seed money for an emergency fund, an extra payment toward consumer debt, the sneakers her kid needs for gym class.<
Starting to save for retirement at 40
There’s something about reaching the big 4-0 that often causes you to re-evaluate your direction in life. And when you do, it’s hard to escape the fact that your day of retirement is indeed approaching faster than you ever thought possible.
If you’re one of those who eliminated debt and made investing for retirement a habit since your 20s, there’s very little to do other than enjoy your 40th birthday and continue on with what you’re doing. But if you’re heading into your 40s having done nothing to prepare for retirement, the prospects can be downright scary.
How Much Money Should I Have Saved by Age 30?
Are you wondering how much money you should have saved by now? That means you care about your personal finances which is…
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Top 10 Getting Out of Debt Blogs
When you’re learning to manage your personal finances, you have countless online sources that can help you understand the processes involved in fulfilling these financial goals. But there’s something about reading a debt blog with first-person accounts of overcoming financial difficulties that can inspire you to realize you can do it too. Here are 10
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I Have No Credit Score â Can I Buy a Home?
Absolutely! I have in the past written about how to increase your credit score by purchasing a…