Debt Management & Credit

Are you dreaming of starting your own business but don't have any money to get it off the ground? Don't worry, because it is possible to get a loan for startup business even with limited funds. But if course, you are wondering about how to get a startup business...

Every business reaches crucial junctures where a bit of financial fuel can make all the difference. Maybe you spot an ideal new location but need working capital to cover the lease deposit and renovations. Or perhaps you have a once-in-a-lifetime opportunity to purchase game-changing equipment at a discount. When pressing needs...

Are you feeling burdened by your car loan payments? Did you know that refinancing your auto loan could be the solution you've been searching for? With auto loan refinancing, you have the opportunity to lower your monthly payments, reduce your interest rate, and even save thousands of dollars over...

I walked into the dealership with a preapproved 3.9% APR from my credit union. The finance manager came back with 6.2%. I showed him my preapproval letter and asked, "Can you beat 3.9%?" He couldn't. That letter saved me $2,847 over the life of my loan—and the entire negotiation...

If you’ve ever opened your credit card bill and wondered how your balance barely budged... even after a month of honest effort, Then you’re not imagining things. Interest on credit cards is brutal. When your APR sits somewhere between 20% and 30%, it feels like the bank is charging...

Did a student loan suddenly vanish from your credit report? Or are you trying to remove one? Before you celebrate or panic, let's be crystal clear: this is one of the most misunderstood topics in personal finance, and the wrong move can damage your credit for years. I've spent almost...

Here's the deal: the Borrow button inside Cash App is designed to feel like a friendly lifeline when your checking account is on fumes and payday is still a week away. Now, from a planner's chair with 25 years of watching 'easy money' offers backfire, it looks more like...

Below is a side-by-side breakdown of the two leading no-annual-fee cash-back cards as of December 2025. Both offer rotating 5% categories, but the differences in network reach, first-year bonuses, and baseline rewards can significantly impact your total returns depending on your spending patterns and travel habits. Michael's Take: If your...

So, the Venmo app is dangling its credit card in front of you, and you're tempted. But before you agree to that "hard pull" on your credit report, you have one crucial question that will determine if it's even worth it:  Am I going to get a useful credit limit, or just...

You see the ads and hear the term all the time: "credit card cash back rewards." It sounds like free money, but the world of credit cards can feel complex and full of traps. You're left wondering: Is this a real benefit? How does it actually work? And how...