STEP 3: CONTROL SPENDING As discussed in Step 2: Revitalize, Control Spending is the next step. A healthy budget will typically have an expense-to-income ratio that is less than 90%. This means that from all of the money that you make at least 10% of your income each month is “left over” for you to […]

A credit card is an extremely common way to secure an emergency source of cash, earn miles for travel, or build credit for future purchases, including a car or home. However, nothing’s more stressful than getting stuck with multiple credit cards with varying balances and added pressure from collectors. In such cases, it’s best to […]

A credit card allows consumers to purchase goods and services by borrowing money from the issuer. After borrowing money, the consumer pays it back in full or monthly installments. While getting a credit card offers convenience, if the consumer’s credit card debt is out of hand, they may require help with credit card debt.   Options […]