Finance Made Simple

Bright Outlook for the US Economy? Lessons Learned on Responsibility and Resilience

Despite ongoing concerns and headlines, the current state of the US economy can be interpreted as a promising picture. C...

6 Smart Ways to Use Your Tax Refund

Receiving your tax refund from the IRS can bring a lift to your financial situation.  As of May 2023, the IRS reports t...

Top Financial Benefits for Veterans

Serving in the military comes with a range of well-deserved financial benefits that can help veterans plan for their fin...

Income-Driven Repayment for Student Loans: Should You Apply?

Income-Driven Repayment Plans (IDRs) are designed to ease the burden of federal student loan repayments by adjusting you...

12 Affordable Activities For Kids This Summer

Many American parents are concerned about keeping their kids entertained this summer without breaking the bank, given th...

Social Security Changes for 2023

Every year, the Social Security Administration (SSA) updates the changes to Social Security that will come into place in...

Discover Cheap Summer Travel Destinations for 2023

Summer can also be an expensive time to take a vacation. Things get booked quickly, airlines and hotels tend to raise th...

Paying for Home Improvement: Cost-Effective Strategies

There are many reasons you might find yourself considering a home renovation. You may want to make urgent repairs, add v...

What Is a Credit Builder Loan and How Does It Work?

Most traditional lenders evaluate the borrower’s credit history before disbursing any loan, which is not the case for ...

How to Improve Credit Score Fast

Establishing a strong credit history and cultivating a good credit score can significantly impact your life by helping y...

What Is a Credit score? Understanding Credit Score Ranges

A credit score is an indication of how likely someone is to pay back a loan on time. A scoring model utilizes info for y...

4 Tips to Work on Your Bad Credit

A lot of people can find themselves with bad credit without even realizing. A lender may reject their loan application o...

6 Smart Ways to Use Your Tax Refund

Receiving your tax refund from the IRS can bring a lift to your financial situation.  As of May 2023, the IRS reports t...

Best Ways to Consolidate Credit Card Debt

Consolidating debt is a widely-used, tried and true strategy for managing debt. It involves combining your credit card b...

5 Steps for Overcoming Credit Card Debt

When used responsibly and paid off in full each month, credit cards can provide a convenient and flexible way to make pu...

Am I Responsible for My Spouse’s Debt?

The possibility of taking on a partner’s debt is a significant financial concern for many couples thinking about m...

Understanding Debt Relief Options: Consolidation, Settlement and Bankruptcy

If you’re in debt, there are a number of options you can pursue to get some relief. For example, consolidation of ...

Ready to Relieve Debt? Here are Common Mistakes to Avoid

If you’ve ever borrowed money and struggled to pay it back, you’re not alone. Nearly 80% of American househo...

Should You Use a Home Equity Loan for Debt Consolidation?

A home equity loan can be a smart way to pay off debt under the appropriate circumstances. Interest rates on home equity...

10 Most Expensive States to Live In

Day-to-day living seems more expensive than ever, with increasing interest rates, inflation, and significant rises in ut...

Paying for Home Improvement: Cost-Effective Strategies

There are many reasons you might find yourself considering a home renovation. You may want to make urgent repairs, add v...

Everything You Need to Know About FHA Loans: Benefits, Requirements and More

If you’re unable to qualify for a conventional mortgage, an FHA home loan might be the right alternative for you. ...

How Much Does it Cost to Buy a House?

Buying a house involves many costs beyond the primary ones, like a down payment and a mortgage. When you’re decidi...

Live Your Dream: A Comprehensive Guide to Financing Your Second Home

Having a second home can be a great investment. It not only provides you with a permanent vacation spot, but it can also...

What Is a Credit score? Understanding Credit Score Ranges

A credit score is an indication of how likely someone is to pay back a loan on time. A scoring model utilizes info for y...

What are the Best Savings Plans with Low Risk?

Low-risk investments can be a smart option for people who want to keep their money safe and protect it from potential lo...

5 Ways Gen Z is Unique When It Comes to Personal Finances

Gen Z refers to individuals born between 1997 and 2012, currently aged between 11 and 26 years old. This generation is k...

How Many Credit Cards Is Too Many?

Generally speaking, there is no specific number of credit cards that you should have. However, the ability to manage you...

What Does FDIC Insured Mean?

FDIC insurance can protect your savings in the event of a bank failure. FDIC stands for Federal Deposit Insurance Corpor...

Understanding Cash Deposit Limits in Banks

Did you know that if you deposit $10,000 or more in cash at your bank or credit union, they’re required to report ...

22 Small Business Ideas and Resources for Teens

According to sources, 69% of teenagers have a business idea but aren’t sure where to begin. Not knowing how to start a...

How to Start Your Own Business – Step-by-Step

Many people decide to start their own business as a way to improve their lives. After all, having your own business can ...

How to Get a Startup Business Loan with No Money

Securing a business loan may be tougher for startups than for established businesses, but it’s still possible. To ...

Alternative Ways to Secure Funding for Your Business

Due to ongoing economic uncertainty, many financial institutions are becoming more conservative when lending money. Easy...

LLC vs. DBA: Which Business Structure is Right for You?

LLCs (Limited Liability Companies) and DBAs (Doing Business As) are two of the most common business structure for people...

How to Get Money From the Government: Grant and Loan Resources

Getting monetary help from the government can be extremely useful if you’re trying to make ends meet, whether for ...

6 Smart Ways to Use Your Tax Refund

Receiving your tax refund from the IRS can bring a lift to your financial situation.  As of May 2023, the IRS reports t...

What to Do If You Haven’t Filed Your Tax Return

The complexity of taxes can cause people to miss filing their return before the deadline. If this is you, there is no ne...

Am I Responsible for My Spouse’s Debt?

The possibility of taking on a partner’s debt is a significant financial concern for many couples thinking about m...

Top 10 Reasons for an IRS Tax Audit

The IRS can audit a taxpayer if there is an error or red flag on their tax return. Examples could include inconsistencie...

Tax Filing Deadline: Don’t Panic, You Still Have Time!

Today, April 18, 2023, marks the deadline for filing federal income tax returns for the 2022 tax year. For those who hav...

What is a Tax Lien?

A tax lien is a legal claim against your assets or property for unpaid taxes. Having a tax lien can negatively impact yo...

Bright Outlook for the US Economy? Lessons Learned on Responsibility and Resilience

Despite ongoing concerns and headlines, the current state of the US economy can be interpreted as a promising picture. C...

Discover Cheap Summer Travel Destinations for 2023

Summer can also be an expensive time to take a vacation. Things get booked quickly, airlines and hotels tend to raise th...

10 Most Expensive States to Live In

Day-to-day living seems more expensive than ever, with increasing interest rates, inflation, and significant rises in ut...

What to Do If You Haven’t Filed Your Tax Return

The complexity of taxes can cause people to miss filing their return before the deadline. If this is you, there is no ne...

How to Improve Credit Score Fast

Establishing a strong credit history and cultivating a good credit score can significantly impact your life by helping y...

What Is a Credit score? Understanding Credit Score Ranges

A credit score is an indication of how likely someone is to pay back a loan on time. A scoring model utilizes info for y...

Leasing vs. Buying a Car: Should You Lease a Car or Get a Loan?

A car is likely one of the most expensive acquisitions you will ever make. Luckily, there are different ways to get you ...

Personal Loan vs. Auto Loan: Which Is Best for Financing a Car?

Auto loans are the third-largest component of US household debt, behind student loans and home financing. Inflation has ...

How much is a car payment per month?

Manufacturing closures and supply chain difficulties caused by the Covid-19 pandemic occurred throughout the world, decr...

What is an Upside Down Car Loan?

An upside-down car loan arises when a car buyer purchases a car on credit but ends up paying (or owing) more for the car...

How to Buy a Used Car in 5 Steps

The United States is one of the most heavily car-dependent countries globally. In fact, according to recent estimates, t...

How do Car Loans Work?

Buying a car is a big purchase, but just like buying a home, it’s a worthwhile investment—one that requires understa...