Saving for Vacation? Here Are 10 Tips to Make It Happen. How to Save for a Vacation Everyone has a different travel style, but the desire to get away on a trip is something we all feel from time to time. Vacations can be relaxing, exciting, adventurous, or filled with family and friends. But they…

The “Intended” Consequences of Passing the 36% APR Lending Law A new study, currently posted for public comment, has found that rate caps prevent Americans from accessing high-quality credit products they need and want. Why It Matters The study, entitled Effects of Illinois’ 36% Interest Rate Cap on Small-Dollar Credit Availability and Financial Well-being, found that after the imposition of…

Personal Loan Documents Checklist There are lots of steps involved in loan applications, but one of the most important is getting all of your documents ready for the lender’s approval. These loan documents prove who you are, back up your financial information, and give lenders the information they need to make an informed decision. Every…

The Many Options Available for Borrowing Money Nearly everyone has to borrow money at some point in life and has at least some type of debt at any given time. So many different circumstances necessitate borrowing money, including emergencies, large household purchases, and unexpected expenses. There are many ways to borrow money online or in…

How Does Debt Consolidation Work? Debt consolidation is a financial tool and repayment process that involves combining multiple debts into just one. There are a few ways that you can consolidate debt, such as consolidation loans or a balance transfer credit card. Debt consolidation options come with risks and benefits, so it’s crucial to understand…

What Is a Cash Advance and How to Get Cash from Credit Cards Many people wonder how to get cash from a credit card and what cash advance means. These are excellent questions to ask because it’s important to understand all of your financial options whenever you need money quickly and aren’t sure where to…

Short-Term Loan vs. Long-Term Loan: Understanding Personal Loan Duration Personal loans are helpful when you need quick access to cash and flexible funding that you can use for whatever you need right away. However, it is crucial to understand the personal loan terms so that you can uphold your responsibility to pay back the money…

How To Create A Budget: Setting Up A Money Spreadsheet One of the most basic and essential parts of managing your money is learning how to create a budget. Making a budget is a crucial tool that allows you to craft a financial plan to analyze how to spend your hard-earned income, using your money…

Do you want to refinance a personal loan? We explain loan refinancing advantages and disadvantages, and how to refinance a loan. ✓ Click here!

How to be Financially Independent Becoming financially independent is a rewarding process, yet the road to financial independence can be long and challenging. Do you find yourself wondering, ‘how can I become financially independent?’, or thinking, ‘I need to be financially independent, but don’t know where to start?’ If this is the case, this article…