Testing Financial Independence – What Have You Got to Lose? Testing financial independence through a “trial run” before committing to a lease helps young adults…
Tips to Help Get Credit Card Debt Back on Track Students can also use creative strategies to help get credit card debt back on track and accelerate repayment. Selling used textbooks, old electronics, or clothing…
How First-Year Students Should Manage Credit Cards Responsibly Understanding how first-year students should manage credit cards responsibly means creating a clear system around spending and repayment. If your purpose is to use the card for money management, that might mean setting a cap based on income—for example, if you earn…
Is this method of consolidating debts a good idea? If you are considering using a credit card as a debt consolidation option here is what you need to know. A low interest credit card often comes with strings attached, so be very cautious if you’re considering applying for a new…
Pros of Having a Credit Card as a First-Year Student: Benefits of Student Credit Cards One of the biggest pros of having a credit card as a first-year student is the chance to start building a credit rating early. Having a card and using it responsibly, such as paying off…
This month, many students—including my own kids—are heading back to school. Most of them have a cell phone (or wearable device) on at all times. While it’s a great way for students to keep track of their busy schedules (and check in with Mom and Dad), it also makes them…
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If you’re overwhelmed by debt and don’t know where to start, begin by gathering all your financial information, including your income, expenses, and debts. Then create a simple monthly budget, prioritize your highest-interest debts, and…
