When you file a dispute for inaccurate tradelines on a credit report, for removal, it is affectionately known as “credit repair”, and although I’m no expert, I still feel more qualified to do it than most credit repair companies, who tend to be underhanded in their approach and charge a pretty penny. DIY credit repair? […]
Debt Bytes Blog
First Progress Secured Credit Card from Synovus
Earlier in the week I engaged in a string of comment replies with a reader who had paid some old collection accounts and is working on rebuilding his credit and improving his FICO score. We exchanged some comments about getting approved for a First Progress secured credit card as a tool to start rebuilding his […]
Is your spouse an obstacle to saving money?
I only ask because my mine is, and really always has been one of our many obstacles to saving money. He is my little spendthrift. Not that I’m blaming anyone for our lack of savings, but it does make saving a bit more difficult. How can it not? Honestly, though, I think it comes down […]
My 5 Most Disastrous Financial Mistakes
Mistakes. Nobody wants to make them, but we do, and by the time we realize it was a mistake, it’s probably too late to do anything about it. And, financial mistakes are some of the worst, because they don’t just affect you. It involves your family, your current income, and your future savings. I’m a […]
Saving Money in a Digital World
Saving money is already hard. Life is expensive and it’s tough to put anything aside for the unforeseeable future. Not only does it take discipline, but you also have to find that little bit of money that you wanted to save in the first place…and maybe you just can’t find it. Well, I have good […]
51 Ways to Side Hustle Your Way to More Money
Our last step in the 5 Steps to Get Out of Financial Purgatory blog series is making more money. Although I believe everyone can save money, no matter how much or how little they make, an exception to this would be for those who feel better about having separation between what you live on and what your […]
Can’t Save Money or Won’t?
If you say you can’t save any money at all, I’m going to immediately call bullshit. You only think you can’t save any money. I have been living paycheck to paycheck most of my life and I thought I couldn’t save any money either, but you know what? I can. I just have to get […]
Get Out of Debt Before it Gets Out of Control
If you’ve already read my first article, 5 Steps to Get Out of Financial Purgatory, you know that we’ve reached step #3 on the list. And, although, I am definitely not an expert on getting out of debt, life has taught me that you can’t wish it away or bury your head in the sand. […]
House Poor in Canada
It’s a commonly-held belief that Canadians make it a priority to pay for shelter costs ahead of other household spending. Mortgage payments and utilities typically receive more attention than transportation, clothes, and entertainment. First things first: we need a roof over our heads, we need running water, and we need the lights to be on. […]
Hack Your Expenses for MORE Savings
Cutting expenses is #2 on the list of 5 Things to Get Out of Financial Purgatory. And, I hate to be the bearer of bad news, but you’re bleeding. The question is, “How bad is it?”. If you’re passed out on the floor, get up, because we have a lot of work to do. I’m not gonna […]