Debt

Advantages & Disadvantages of the Dave Ramsey Baby Steps

Advantages & Disadvantages of the Dave Ramsey Baby Steps

Did you know that millions of people have followed and completed Dave Ramsey’s popular baby steps to financial freedom? It’s a clear path that is easy to follow and statistics show they work. Or do they? A quick Google search on Dave Ramsey’s Baby Steps will show you conflicting opinions on both sides of the argument. So who do you …

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The Definitive Guide to Using MyFedLoan in 2020

The Definitive Guide to Using MyFedLoan in 2020

It should be no surprise to anyone that consumer and student loan debt in the United States is at an all-time high. Several studies put student loan debt in the United States at $1.6 trillion! A recent article in Forbes says that the average debt per student stands at $32,731. Students everywhere are looking for relief. Many students use programs …

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6 Things You Probably Didn’t Know About Paying Off Debt

6 Things You Probably Didn’t Know About Paying Off Debt

If your finances are a bit out of control, there are many things you can do to gain back stability. Paying off debt is an essential part of getting your financial life in order. While it may be overwhelming at first, do your research and take it one step at a time. There are many resources out there, such as …

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How Much Car Can I Comfortably Afford?

How Much Car Can I Comfortably Afford?

Go ahead and ask a financial expert this question. Chances are you’re bound to get quite a few answers. Whether it’s the 10% gross income rule for monthly car payments and expenses or the 25% rule for purchasing a new vehicle, there is no one size fits all answer financial experts can agree on when it comes to how much …

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What To Invest Your Money In Besides the Stock Market

What To Invest Your Money In Besides the Stock Market

As you start to save and increase your income, one of the most important steps you can take is investing your money. Many people struggle to know what to invest in besides the stock market. Granted, the choices are vast and can be quite confusing. However, if you want to ensure a healthy financial future, ensure your family’s finances are …

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6 Ways to Protect Your Money from Economic Instability

6 Ways to Protect Your Money from Economic Instability

There are very few things that are certain in life. Along with death and taxes, you can always count on inflation and economic instability. Economic factors like inflation and economic collapse can quickly erode the value and purchasing power of your money. While inflation has been low over the last few years, it won’t stay that way forever. Inflation was …

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How to Get Your Financial Life Together

How to Get Your Financial Life Together

In adulting 101, we learn that success in life is as simple as following a few memes. As if the only thing standing between you and conquering the world is believing in yourself and the application of a Dale Carnegie quote. With no disrespect to Buzzfeed and their 27 simple ways to get your life together, memes are not going …

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7 Things To Do When You Can't Afford Christmas

7 Things To Do When You Can’t Afford Christmas

The holiday season is quickly approaching. For some, this is a wonderful and exciting time of the year. But for others who can’t afford Christmas, it can be stressful and depressing. For the last few years, my husband and I have basically skipped Christmas because we couldn’t afford it. Since we don’t have kids, it’s pretty easy for us to …

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Everything You Need To Know About Debt Consolidation

Everything You Need To Know About Debt Consolidation

It’s no secret that I’m in debt. To be honest, I’m not sure how I’ll ever get out of it. Lately, I’ve been seriously looking into debt consolidation as an option. If this is also something you’ve been wondering about, Ryan of Arrest Your Debt has you covered! If you have many different debts with different interest rates, payoff schedules, …

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Debt In The United States: How Bad Is It Really?

Debt In The United States: How Bad Is It Really?

As a Canadian, I pay attention to how bad debt in Canada is. The truth is, however, debt in the United States has a big impact on us and the global market as well. In this post, Brian from Debt Discipline addresses just how bad debt in the United States really is. Let’s face it, debt in the United States …

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Common Misconceptions About Building a Good Credit Score - My Life, I Guess

7 Common Misconceptions About Building a Good Credit Score

When you’re looking to improve your credit score, whether it’s to secure a better mortgage deal or simply access funds to get your finances back on track, you’ll be faced with a lot of advice. Unfortunately, not all of this advice is accurate. There are a lot of common misconceptions and myths about what does and doesn’t affect your credit …

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How The 7 Dave Ramsey Baby Steps Can End Your Financial Misery

How The 7 Dave Ramsey Baby Steps Can End Your Financial Misery

Are you financially miserable? I sure am. Dr. Jeff Anzalone from Debt Free Dr. explains how the 7 Dave Ramsey Baby Steps can help get your finances under control. If you enjoy reading and learning about personal finance, then it’s safe to say you’ve probably heard the name Dave Ramsey. Since the 90’s, The Dave Ramsey Baby Steps have helped …

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

How Much Being Unemployed Actually Cost Us

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 …

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