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If spending money on yourself makes you feel guilty, try shifting your focus from the cost tot he value these purchases bring. Small treats can significantly enhance... Continue Reading

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The Payday Loans Trap: 7 Solid Alternatives

It’s three days before payday, your car just broke down, and your landlord is breathing down your neck for rent.

Suddenly, you see a glowing sign: “Payday Loans! Cash Now!”

It seems like the answer to your prayers, right?

Hold onto your wallet, folks, because we’re about to dive into the murky world of payday loans and why they might be more like financial quicksand than a life raft.

What Exactly is a Payday Loan?

Before we start pointing fingers, let’s break down what a payday loan actually is:

A short-term, high-cost loan, typically for $500 or less
Usually due on your next payday (hence the name)
Requires you to give the lender access to your checking account or write a post-dated check for the full balance

Sounds simple enough, doesn’t it? Well, not so fast…

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Raise Your Credit Score: 6 Key Questions If You Need a Boost

Having the best credit score can give you more opportunities, from buying the house you want to being able to land your dream job.

In addition, your credit score is used to indicate if you’re someone who can be trusted to lend money to based on your previous borrowing history.

These are six questions that people ask when trying to increase their credit score.

The answers to these questions should give you a clear path on how you can raise your credit score.

6 Credit Score Questions That Will Help You Raise Your Score

What is a credit score, and how is it calculated?