Over the past ten years, we’ve seen the rise of peer-to-peer lending. Prosper and Lending Club were the first to introduce this technology to link borrowers and investors. Peer lending has seen rapid growth since then, reaching $3.5B in funded loans by the year 2015. Throughout this time of rapid growth, one group of consumers […]
With the hustle-and-bustle of the holiday season, it is easy to forget things, especially when it comes to presents. However, you don’t want to be the person who picks up a last-minute gift that everyone can tell is last-minute. Whether you just realized you forgot someone on your holiday gift list or you procrastinated on buying
You could be entitled to a cash award if you are the victim of a personal injury, which the law defines as harm caused to your body. As we take care of our daily obligations, we have a responsibility not to harm others or put them in danger. For example, we must pay attention to
Saving money is difficult. In fact, it is so difficult 70% of Americans don’t have enough money stashed away to cover a $1,000 emergency. This leads to people racking up unnecessary credit card debt and essentially hurting their long-term financial health. (There’s a reason Dave Ramsey’s Baby Step 1 is to save $1,000.) One of
Looking For a Fun Way to Save? Here’s a Printable 26-Week Savings Plan Read More »
Being a student can be a full-time job. On top of that, about 87% of students live off campus. For many students, this means paying their own rent, buying their own groceries, and contending for other costs – both variable and fixed. Even Forbes has published an article about successful people who have been successful starting
Part of seeking a debt-free life (for me) has been finding ways to trim down my current lifestyle. For instance, I traded in my $150 a month gym bill for free workout opportunities. More recently, I’ve been looking through my closet for things to sell for extra money and snowball my debt with the cash
Check Your Closest For These Things to Sell For Extra Money Read More »
If you’re thinking about refinancing your home loan, a cash-out refinancing can be a great way to do it. These loans give a consumer the advantage of getting some money from their accumulated equity while also opening up the possibility of getting a lower monthly payment. For many loans, that lower monthly payment is a
7 Ways to Get a Good Rate on a Cash-out Refinance Read More »
The basis of having healthy finances is having a fallback plan, also known as an emergency fund. In fact, it is what Dave Ramsey often calls “Baby Step One.” Save $1000 a month (or within a month) to lay a good foundation for your finances. However, very few people heed this warning. I’m embarrassed to say
For many entrepreneurs, starting a business is a great achievement. However, maintaining the growth of that business is a big challenge faced by businesspersons in today’s era. Although the internet is opening up new opportunities for small businesses to thrive, numerous problems hinder their growth. The challenges are either internal or external. Although there are
The Common Headaches and Obstacles of Running a Small Business Read More »
Although I write for a living, I enjoy it in my spare time as well. In fact, I’ll journal about, well, just about anything most of the time. More recently, I’ve fallen in love with the idea of bullet journals. You can use them to organize just about anything. Here’s how bullet journaling can help
Bullet Journaling My Way Back Into Financial Health Read More »
