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stressed about personal finances

Free Money? Creative Ways to Get Cash Back & Boost Your Income

Discover Creative Ways to Get Cash Back & Boost Your Income In a world where financial stability is a key concern for many people, the pursuit of additional income streams has become a common goal. About 70% of Americans admit to being stressed about their personal finances, and 52% of U.S. adults said their financial […]

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A 401(k) loan is essentially borrowing money from your retirement savings.

3 Reasons to Choose a Personal Loan Over a 401(k) Loan

Whether a 401(k) loan or personal loan is the right option. If you need funding for a major life event, home improvement project, or other major expense, you might be considering borrowing from your 401(k), or retirement savings, or taking out a personal loan. While both options have their benefits and drawbacks, this article explores […]

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home equity loan for holiday expenses

Home Equity Loan for Holiday Expenses: Good or Bad Idea?

Is a home equity loan for holiday expenses a good idea? The holiday season can bring joy, but it can also be financially challenging. From hosting festive gatherings, to attending holiday events, gift-giving, and travel, the holidays can drain your bank account. In the quest to fund these seasonal expenses, some homeowners may consider borrowing […]

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Having an emergency savings fund is crucial for managing unexpected expenses, but what if you've already depleted it? If that happens, you have alternatives.

Depleted Your Emergency Fund? Here’s Your Next Promising Option

Life is unpredictable, and financial emergencies can strike when least expected. Having an emergency savings fund is crucial for managing unexpected expenses, but what if you’ve already depleted it? If that happens, you have alternatives. This guide delves into the next best steps you can take when you’ve run out of your emergency fund. Reassess […]

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One of the most valuable assets a person can possess is the equity in their home.

Should You Tap Into Your Home Equity?

One of the most valuable assets a person can possess is the equity in their home. Americans have almost $30 trillion in home equity across the nation. Rising home values have many people asking the question: Should I take out a home equity loan? You have options when it comes to leveraging your home equity, […]

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You have options when it comes to buying a car, with financing and leasing being the two most common.

3 Advantages of Financing a Car Instead of Leasing

You have options when it comes to buying a car, with financing and leasing being the two most common. While many people consider leasing because it means not having to pay for car maintenance and repairs over time and getting to switch cars every few years, owning a car also has advantages. Here are three […]

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Tips to deal with upside down car loans as go down, inflation rises, and new cars cost more.

How to Get Out of an Upside Down Car Loan

Get back on track and out of your upside down car loan. Many Americans use car loans to purchase a new or used car since very few of us have enough in savings to cover the vehicle cost upfront. Around 31% of American adults say they rely on car loans to pay for a car […]

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If you financed a car in the past few years, you might be able to save money by refinancing an auto loan.

When Refinancing an Auto Loan is a Good Idea

Why refinancing your auto loan could benefit you. Living expenses are on the rise in general, and that includes the cost of driving. The last few pandemic years have not been a great time for car shopping. That’s especially true if you needed to finance a car. If you financed a car in the past […]

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Home equity is the value of your home minus what you still owe on your mortgage.

Home Equity Loan or Cash-Out Refinance?

Home equity loan or cash-out refinance? Which is the better choice? When you need funds for a major expense, you might be considering a home equity loan or cash-out refinance. As a homeowner, you have the unique benefit of being able to tap into the equity you build over time. Home equity is the value […]

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car debt is now so high, borrowers owe more than their car is worth

Car Debt is High & Causing Negative Equity

Rising Car Debt is a Problem Car prices have surged since the pandemic. As a result, many consumers are paying car payments that are more than $1,000 a month. In addition to higher car prices, the Federal Reserve has been raising interest rates in an attempt to calm inflation, driving up auto loan balances. These […]

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Current mortgage rates are high which is leading to more renovations instead of selling a home.

3 Options for Financing Home Renovations

A home renovation can make your home more enjoyable to live in, may increase your home resale value, and make it easier to sell your home. Many homeowners are looking to renovate instead of selling their home since mortgage rates are still high, despite dipping recently. About 17% of homeowners are spending more on improvements […]

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A personal loan can be the perfect choice for home improvements when you need quick funding.

Is a Personal Loan for Home Improvements the Best Option?

Learn more about a personal loan for home improvements Some people purchase older homes, even though there are known issues, because they are cheaper. For many, especially during hot markets like the one that just occurred from 2020 to 2022, it’s the only way to buy a home. These homes may require things like a […]

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