Managing finances is never easy — especially when unexpected setbacks occur. Whether your paycheck didn’t arrive in time to pay the rent or you find yourself struggling to keep up with rising costs of living expenses, it isn’t unusual to find yourself struggling to pay the bills.

Unfortunately, ignoring your bills and hoping that they’ll magically disappear isn’t going to help your situation get any better. Not only might you face consequences like getting kicked out of your apartment, but you’ll also do some serious damage to your credit history.

So what can you do if you don’t have enough money to cover a mounting stack of bills?… Read the rest

There are so many day trading websites out there that it is hard to know which ones to trust. One the biggest and most talked about is Warrior Trading. They put out a lot of materials and the day trading newbie might not know what is useful and what out there is just spam. It seems like every day some new website pops up and just want to take money from people without actually providing them any useful information before they put down their credit card. When I saw Patrick H’s review of Warrior Trading I was surprised when I looked around and found so few Warrior Trading Reviews.… Read the rest

Having bad credit or no credit can really put a damper on getting a loan. Most traditional loan companies will deny you for credit almost immediately because having no credit is like having bad credit. You’re not stuck without any options, though.

What most people with no credit or bad credit don’t know is that there are several ways for them to still get money when they need it the most. Some of these options will include a high annual percentage rate (APR), which means higher interest rates. However, as a beginner with no credit, these will be the best options available to you.… Read the rest

If you are serious about paying off credit card debt to become debt free, the first step is to get your spending under control.  Create a budget and start tracking spending, including necessary monthly payments such as a car lease and mortgage payment, and then start to dissect every purchase that is made and decide if it was needed or not.  It does take discipline and patience to stick to a budget but when successful you can find ways to pay off any credit card debt now.

Use Cash Instead of Plastic

When you have cash in hand and use it for purchases you actually get to see the money leaving your hand and going to the cashier, and may make you think longer if the purchase is necessary or not. … Read the rest