It is no mystery that people aren’t saving as much now as they used to, consumers today are saving less than they ever have. The recommended financial cushion of two to three months salary set aside for emergencies is a luxury many don’t have anymore. Without this cushion, any financial setback such as the loss [...]

It wasn’t long ago that consumer debt was rarely sought or issued. Generations past were reluctant to incur the burden, and the only debt many would take on was the mortgage for a house. Even then the goal was to pay off the note as quickly as possible. There was a stigma attached to being [...]

There are many debt reduction services out there today going after the millions of consumers that are trying to settle credit card debt. Are you finding yourself in a financial pinch? A lot of people need debt help, and there are some legitimate debt consolidation services out there, but how do you tell which ones [...]

Today more than ever, people are struggling to keep up with their bills. The recession has not been kind to those that need debt help, but the FTC has four strategies that can help in managing debt. Not every one of these tips are going to be universally helpful, as consumers debt issues range from [...]

At some point, many of us will face a financial hardship that leaves us in a tough spot. Even with the best financial planning, the loss of a job or an unexpected medical expense can throw the best budget out of whack. While you may be able to initially cover the expense through the use [...]

It is hard to imagine how we lived before credit was so readily available, booking hotels and airfare or renting cars without a credit card is tough. There are so many things today that either require access to a credit card or are much simpler through their use, but there is a cost to having [...]