How to get Christmas help to make the holidays happy without busting your budget As wonderful as the Christmas season is for a lot of people, it can also be one of the most stress-full and disappointing times. Paying for Christmas isn’t easy and the effect of all that holiday shopping can haunt you for the next 11 months. In fact, trying to afford Christmas could be the single biggest factor … [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...]
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...]
The Shocking Difference Between APR and Interest Rate
The difference between an interest rate and APR may end up costing you thousands What’s the first thing you look for when applying for a loan? The interest rate, right? The stated interest rate gets the most attention when we apply for a loan but it may surprise you that it’s not the true cost of your loan. The interest just from that annual rate doesn’t include fees and commissions and may … [Read more...]
Is it Possible to Get Bad Credit Home Loans?
Follow this simple process for bad credit home loans at rates you can afford First let’s start by saying I hate the term ‘bad credit’ and bad credit home loans are no different than regular home loans. The banks have separated ‘good credit’ and ‘bad credit’ by saying everyone below a certain credit score, usually around 640 FICO, without even looking at the borrower’s credit report. So there … [Read more...]
