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Debt & Finance Blog

How I Got Into and Out of $45,000 in Credit Card Debt

By Joey Johnston | April 12, 2018

Walter was one of millions of Americans financially swept under during the Great Recession a decade ago. Before the downturn, he and his wife owned a large home in western…

How to Be Successful in a DMP

By Tom Jackson | April 12, 2018

So, you’ve finally taken the big step and enrolled in a debt relief program. Now what? If you’re going to succeed, you’ll have to alter the lifestyle that got you…

How to Improve Your Debt-to-Income Ratio with Higher Income

By Tom Jackson | March 29, 2018

Borrower beware! If you are hoping to score a car or home loan and don’t know your debt-to-income ratio, you probably want to check into it. You might find out…

Debt Management Myths: What You Need to Know

By Joey Johnston | March 23, 2018

Debt management plans might be the most productive and least appreciated member in the family of debt-relief solutions that includes debt consolidation loans, debt settlement and bankruptcy. DMPs, as they are…

Top 5 Retirement Roadblocks and How to Clear Them

By Joey Johnston | March 23, 2018

A disturbing number of Americans are speeding toward a financial cliff called retirement. Unless they change their saving habits, they may well barrel over the edge and land in poverty.…

Debt Consolidation vs Home Equity Loans

By Tom Jackson | March 23, 2018

There can be benefits to using a home equity loan to pay off credit card debt, including lower and fixed monthly payments. If you’re considering a debt consolidation loan, the…

How to Be Prepared If You Lose Your Job

By Joey Johnston | January 26, 2018

Getting a pink slip might not be as devastating as learning you have a serious medical problem, but the trauma of losing a job can hit hard, especially for those…

Rising Credit Card Use in America

By Tom Jackson | January 24, 2018

With the rise of online shopping, there is no doubt that Americans are using credit cards more than ever. There’s also no doubt that a lot of them are wasting…

Dating and Debt

By Joey Johnston | January 3, 2018

Is carrying a lot of debt worse than carrying a lot of weight? If you’re a millennial the shocking answer is yes, at least if you are hoping to get…

The 3 Reasons For Wage Stagnation: Globalization, Temp Work and Automation

By Joey Johnston | December 19, 2017

If you want a raise in 2018, please don’t hold your breath. You might not make it to 2019. More than half of Americans haven’t gotten a raise in the…