credit card debt

4 simple steps to get out of debt fast — no matter how much you owe
www.toplevelsales.net

There’s no sugar coating it: Debt sucks. f you’re one of the 80% of Americans who are in debt, you probably have a TON of reasons as to why — and it might not even be your fault. After all, we don’t come out of the womb knowing how debt works. There’s no “pay off […]

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Here’s How Much the Average American Pays in Interest Each Year
www.thesimpledollar.com

From the moment we’re born, we’re taught that borrowing money is normal and, dare I say it, expected. From mortgages to car loans to $700 smartphones we pay for over 24 months, we’re taught to spread the pain of our purchases over the course of many months or years. Obviously, this mindset isn’t always bad. With housing […]

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Eight Money Mistakes the Middle Class Keeps Making
www.thesimpledollar.com

About half of Americans lived in middle-income households in 2014, according to Pew Research. This demographic includes families with incomes two-thirds to double the U.S. median household income – or those earning between $42,000 and $125,000 (with cost-of-living adjustments for expensive metropolitan areas). America’s middle class includes teachers, firefighters, and plumbers, but also engineers, construction managers, and […]

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Questions About Bankruptcy, Cremation, Music, Philosophy, and More!
www.toplevelsales.net

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Time for bankruptcy protection? 2. Alternative options for cremation costs 3. Tough decisions in retirement 4. Technical writing options 5. What’s next after […]

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Three Common Credit Mistakes and How to Fix Them
www.thesimpledollar.com

If credit was easy, then everyone would have a VantageScore or FICO score of 850. But it’s not easy, and mistakes happen. Your challenge as a consumer of credit is to be smart enough to distinguish between what’s right and what’s a mistake, so you can avoid them at all costs. Credit Mistake No. 1: Co-Signing […]

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An Advanced Degree Can Help You Earn More Money – and Spend It All, If You’re Not Careful
www.thesimpledollar.com

For many college graduates, an advanced degree is a one-way ticket to earning more. By working beyond a bachelor’s degree, new graduates can climb the corporate ladder, move into middle or upper management, and perhaps score a higher-ranking position at a new firm. While not all jobs that require advanced degrees pay enough to justify […]

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Six Times You Should Hire a Financial Planner (and Three Times You Shouldn’t)
www.thesimpledollar.com

Financial planners get a bad rap, and to a large extent that’s deserved. Far too many “planners” are really just salesmen in disguise, tasked with leading their clients into high-cost products sold by the companies they work for. But there are good financial planners out there if you know where to look, and in the right […]

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Buying a Home This Year? Start Now to Get Your Credit in Shape
www.thesimpledollar.com

Are you planning to buy a new home this year? Unless you’ve recently won the lottery or can otherwise afford to pay in cash, it’s probably time to start thinking about how to prepare your credit for an upcoming mortgage application. The condition of your credit reports and scores is never more important than when you’re preparing […]

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Supporting a Passion for Movies on a Reasonable Budget
www.thesimpledollar.com

Erica writes in with a question for the Mailbag that wound up with an answer that was just too long: My husband and I are film buffs. We watch a movie almost every night together and sometimes have movie marathons on the weekends and our walls are covered in film posters. However we have a […]

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A Financial Cleanse?
www.thesimpledollar.com

An old dear friend of mine has an absolute fascination with the idea of “cleanses.” She’s constantly trying out juice cleanses and organic fruit cleanses and other such things, with the idea of clearing her body and mind of “toxins.” I’ll be the first to admit that I doubt the usefulness of juice cleanses and […]

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The Magic of Hedonic Adaptation
www.thesimpledollar.com

If you’re wondering what on Earth “hedonic adaptation” is, keep reading. It’s a fancy term for something that’s actually pretty straightforward. The other day, I happened to find myself at a Whole Foods. Now, I don’t have anything whatsoever against Whole Foods. I think they sell a ton of good products there. Having said that, […]

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