[ The Money Side of Life™ ]

Credit & Debt

Taxes for New Filers

By on March 21st, 2016

Let's talk about taxes. You've knowingly allowed a little bit of your paycheck to go toward your taxes each month, but up until now you’ve blissfully avoided dealing with them, and definitely haven’t learned anything about filing them. This year, however, is different. This year you've decided you're old enough to handle the real world and your real money.

It's time to learn how to file your taxes.

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Charging Ahead: Five ways to build credit

By on September 21st, 2015

You've got to give yourself some credit. Literally. Fewer than half of you use a credit card, and your financial tabula rasa could mess things up when you want a house or loan. Make your life in plastic more fantastic with these tips:

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Public Service Loan Forgiveness

By on April 20th, 2015

If you've attended any two or four-year universities or plan to in the future, you've probably heard the old mantra that the cost of education is an investment in your future. Sure college is expensive, and by attending you're delaying earning a salary by a few years, but the payoff is what makes it all worthwhile.

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Think Twice Before Committing to a Payday Loan

By on April 1st, 2015

Struggling with outstanding debt? Stuck in a financial bind? You may have seen commercials for different pawnshops and same-day payday loans as a resource to alleviate debt quickly. While tempting, proceed with caution!

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Attention Millennials: Viewing your credit report and improving your score

By on March 30th, 2015

If you feel like you're the only Millennial with financial problems, know you're not alone. In fact, 42 percent of Millennials say that debt is their "biggest financial concern". Additionally, half of college grads still rely on their family for financial support.

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Is Instant Cash Worth the Instant Gratification?

By on March 25th, 2015

I've been too loose with my money. This week I bought a new bike, made accommodations for a trip to Disneyland and spent more money on dinners out than I do on an entire month of groceries. What's turning my typical frugality into splurging? I'm getting my student loan refund on Thursday! While in the back of my mind I know that I will have to repay the $2000, another part of me is saying, "Woo hoo!

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Help! I Need An Emergency Loan!

By on March 23rd, 2015

I've been there: Your financial aid check is late and you need to buy books so you can do your homework. You had an emergency and had to pay medical bills. Now you're late on rent and your landlord is threatening eviction. The good news is just because you're out of money doesn't mean you're out of options. If you can't get a fee-free, interest-free loan through a family member, check into what your school has available.

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The Psychology of Debt

By on March 18th, 2015

Getting a credit card has become a rite of passage for many young Americans. Whether it's acquired in high school or college, a credit card is a way to monitor extra spending as well as a tool for parents to help their kids pay for the extra life essentials. Also, building a credit score is essential for large future purchases.

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Bankruptcy 101

By on March 16th, 2015

Bankruptcy is perhaps the scariest ghost that can loom over one's financial well-being. In the years since the 2008 Financial Crisis, it has become a reality for millions of Americans. While the number of new bankruptcy filings for businesses and individuals has fallen considerably since 2008, there were still over one million bankruptcy filings in the financial year ending March 31, 2014.

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Psychology, Debt and Marshmallows

By on March 11th, 2015

From credit cards to home and student loans, debt is big business in America. According to Bloomberg Business Week, student debt has grown by $100 billion per year since 2008. Outstanding consumer debt stands at a record $3.2 trillion. This is the result of new debt being acquired faster than existing debt is paid off.

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