Learn how to refinance a personal loan to lower your payment or reduce your loan payoff by months…or both The average personal loan size is just over $7,500 and at a rate of 24% a year. That means payments of $294 on a 36-month loan and paying nearly $3,100 in interest. Personal loans helped me claw myself back from financial ruin a decade ago but making those payments can be a tough situation … [Read more...]
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13 Step Year-End Financial Checklist
Use this free year-end financial checklist to get back on track with your personal finances The end of the year is a great time, not just for the holidays and to remember the year, but as a chance to look forward to all our goals and dreams. Reaching those financial goals means making sure you’re ready to get all that’s possible from your money. That means the usual budgeting and saving but … [Read more...]
Why You Must Consolidate Debt this Year
Consolidation loans and all other loans are about to get more expensive and you might not be able to qualify When I destroyed my credit and fell deep into debt in 2008, I thought the only way out would be bankruptcy. I owed tens of thousands on credit cards and home mortgages from rental properties. Part of the problem, besides those high rates that made the debt impossible to pay off, was … [Read more...]
How to Raise Your Credit Score 200 Points Fast
See how I increased my credit score 200 points and how long it takes for good credit Your credit score is much more than just getting a loan. From renting an apartment to getting a job and even saving on insurance, your credit score goes into all of these. But credit scores were destroyed in the financial crisis and over half the nation still has a score below the critical sub-prime level. If … [Read more...]
NetCredit Review for Bad Credit Personal Loans
NetCredit is the personal loan solution for bad credit borrowers to get back on your feet. I’ve reviewed a lot of personal loan sites on the blog but one of the most common comments I get is still, “But my credit score is still too low for peer lending.” When I destroyed my credit in 2008, my FICO dropped to as low as 580 so I understand where you’re coming from. Traditional bank loans were … [Read more...]
