How to Enjoy Your Summer Holiday Without Spending Too Much

How to Enjoy Your Summer Holiday Without Spending Too Much - My Life, I Guess

It can be hard to enjoy your summer holiday without spending too much money. And it’s easy to see why. After working hard all year, you probably feel the need to let off some steam while on vacation. Worrying about money is probably the last thing on your mind. Until you get home, that is… Many people overspend while on vacation. Especially if you use a credit card to help...

Setting Your Expectations Right: What Is the Typical Minimum Credit Score Required to Take out a Personal Loan?

Not everyone likes to take out a personal loan, but sometimes it’s inevitable. You have bills to pay or a medical emergency arises; it’s important that you have the money on hand to take care of your financial worries. But you can’t just walk into a bank or a lender’s office and expect to get cash just because you ask for it. The key thing lenders look to is your...

How Much Being Unemployed Actually Cost Us

How Much Being Unemployed Actually Cost Us - My Life, I Guess

Throughout this blog and social media, I’ve been pretty open about the fact that I really struggled after being laid off back in April of 2014. How I struggled for over 2 years to find a full-time job. How working a part-time, minimum wage job in my 30s affected my mental health. And, of course, how I struggled financially after my personal income was cut by over 75%. But I...

Why You Should Apply For Unemployment, Even If You Quit or Were Fired

Why You Should Apply For Unemployment, Even If You Quit or Were Fired - My Life, I Guess

Unemployment insurance, employment insurance, social security, job seekers allowance – no matter what you call it, having to rely on it is never ideal. It means that you have lost your job. And that usually means you’ve also lost a big source of your income, if not your only source. Even if you know your job is about to come to an end due to seasonal work or the end...

Debt Collectors Knocking on Your Door? Don’t Panic and Follow These 10 Simple Steps Instead

If you’re having financial difficulty, one of the most dreadful and embarrassing sounds is the phone ringing when debt collectors begin to call. They will call for any late payment from credit cards and medical debt to student loans and more. Debt collectors are not trying to be troublesome and anxiety-inducing, they are just doing their jobs. When you are ill-prepared for dealing with debt collectors, you run the risk...