Credit card companies have a way of constantly creating new cards with unique perks and enticing reward programs. While all the so-called benefits of a potential new credit card can be enticing, opening up too many credit cards at one time can not only tempt you to spend beyond your means—after all, you’ll usually need […]
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Couples aren’t usually thinking about their student loans when they walk down the aisle. However, while many people plan to have their loans paid off before a divorce would even be on the table, many Americans are still paying off student debt in their 60s. This raises the question of how student debt is dealt […]
Continue Reading Who Pays for Student Loan Debt in Arizona Divorce?

Dealing with debt is no fun task. If you only make the minimum payment each month and don’t have a plan for accelerating payments, paying off your debt can feel like an impossible feat. Usually, to pay down large debts, you need to have a clear plan. The most common strategies for paying off outstanding […]
Continue Reading What’s the Difference Between Debt Avalanche vs. Debt Snowball Methods? 

Figuring out how to refinance your loans can feel like a hopeless cycle. People looking to refinance their loans are likely feeling stressed by their current financial situation, and as a result, are probably struggling to make their current loan payment. And if you’ve missed a couple of payments, it’s likely your credit score has […]
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When it comes to paying off student loans, self-employed workers face unique challenges. Having to keep up with monthly payments with a variable income can be extremely stressful. However, the good news is that there are federal student loan repayment plans freelancers can take advantage of to make managing their loans easier and less complicated. […]
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Too often, people spend more than they make each month, putting them in debt. Staying on budget can be challenging for some people. A method many people use to stay on budget is the 50/30/20 rule. Senator Elizabeth Warren popularized this method in her book “All Your Worth: The Ultimate Lifetime Money Plan.” The basic rule divides up gross income into three categories: needs (50%), wants (30%), and savings (20%). By limiting your spending into three distinct categories, this rule may help those new to budgeting or people who have found other budgeting methods too complex to follow.

If you
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Paying back student loans can be a long-term endeavor. However, certain career paths could cut your loan repayment period in half or even have the potential for full loan forgiveness. Often, these jobs aren’t the most lucrative. If you have chosen a career in one of the following fields, you may be eligible for student […]
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In 2020, small businesses helped create 1.6 million new jobs. Small businesses use loans to stock their shelves, invest in new equipment, and hire new employees. As a small business, the right loan can help you expand your business, and in doing so, your profits. However, before shopping around for a small business loan, it’s […]
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Going to college brings expenses other than tuition. Books, housing, and other expenses can add up quickly. In order to stay out of debt and on top of their finances, students should create a budget. Getting together with whoever will be helping you finance your education—whether that’s your parents or partner—is a great way to […]
Continue Reading Budgeting 101: Tips for College Students in Arizona

If you are struggling with your student loans, refinancing can be a viable option. Refinancing can lead to lower interest rates, monthly payments, and favorable terms. However, refinancing isn’t a small decision and individuals should carefully assess if refinancing is the best strategy for handling their student loans. If you are having a hard time […]
Continue Reading Is Refinancing Your Student Loans a Good Idea?

Going to college is a fresh start full of opportunity and excitement. While the months between high school graduation and the fall semester should be filled with picking out classes and choosing clubs, discussing financial matters with your college freshman is one of the most valuable things you can do to help them. In the […]
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When you’re struggling to pay off your credit card minimum, you might be tempted to use another card to relieve the balance. Paying the balance from another credit card is possible, but this doesn’t take off the debt; it just moves it to the other account. A few factors, like interest rates and your current […]
Continue Reading Should I Pay My Credit Card Bill with Another Credit Card?