It’s pretty difficult to live in a consumer society without making monthly payments of one kind or another. Whether we are paying rent, a mortgage, making utility payments or paying off a student loan; it pays to have a budget to help organize the demands on income. Living off credit cards or payday loans is dangerous to finances. Most consumers living in...

Did you know you can get a free credit report from each of the three credit bureaus every 12 months? You won’t see the payday loan on there unless it landed on the desk of a debt collector. By viewing these reports you will be able to manage the information posted by creditors for current and past debt. Free access to your credit history has been very helpful...

Finances and monthly expenses drive many of us to take a second job or find something we can do from home. When cash is tight, taking out a payday loan may not have to be your first  option. Many people are finding themselves able to fill the financial gap by becoming a “virtual assistant”. Never heard of it? Just like being an assistant to your boss,...

Consolidating debt is one way of trying to “compact” your bills, get lower interest rates, and pay off what you owe faster. But should this be an option for your payday loan? Knowing what debt consolidation entails is the first step to making a decision about what to do with your financial obligations. There are different types of debt consolidation; all...

Taxes have a way of befuddling even the most financially savvy of individuals. When faced with a seemingly endless pile of W2s, I9s, and other tax forms, it is easy to lose track of how much of a refund one is really entitled to. Often times, people unwittingly cut their refund short while figuring out their taxes, while others overestimate the amount of the return....