Getting a cell phone with bad credit is actually quite similar to getting a credit card with bad credit. With a cell phone plan, you most often get a limit on how many minutes you can talk, just as a credit card has a limit on how much you can charge it. Your cell phone also might not get service everywhere, just as some credit cards are not accepted in every store. You can also get a prepaid cell phone plan, just as you can get a prepaid credit card. Here are some ways to get a cell phone with bad credit. Continue reading
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Tips to cut your grocery bill
Well, I am finally settled into my apartment, and I am getting closer to being fiscally responsible for all my financial transactions. Aside from rent, food is the most important part of my budget. Food expenses are some of the most crucial expenses Americans make, yet they are also some of the most wasteful expenses. About half of our food is eaten away from home, while we toss out about 40 percent of what we eat. With the costs of everything else going up, we need to spend less on what we don’t use or need. Obviously, going out to restaurants less often and eating more of what we buy can help save money. Here are some other strategies you and I can use to lower food costs and cut your grocery bill. Continue reading
The average CEO makes over 350 times the average worker
There have been numerous ideas on how to boost our sluggish economy. The most recent idea has been austerity, or cutting back on government-funded programs. A 2010 study promoting austerity was recently debunked by a Harvard graduate student, thanks to him spotting “Microsoft Excel” errors. Slashing government programs will not create growth. Slashing CEO pay, however, will. The average CEO is paid over 350 times the amount of an average worker. This, combined with stagnant wages and inflation, is a big reason why the average Joe is finding it more difficult to make ends meet. Continue reading
A payday loan revival in NC
From a politically conservative standpoint, people should be able to make as much money as they can with little government interference. If there is a need for the product, somebody should be able to sell it and make a reasonable profit. This idea of a free market often protects the vendor, who may get predatory and leave the consumer with a big price to pay. Continue reading
An epic credit card fraud scheme
There are a lot of scams out there, and ordinary people fall prey to them every day. From fake Nigerian royalty to stolen passwords, these scams can burn holes in pockets and ruin lives. I myself have had the PIN to my debit card stolen, and it is not a pleasant experience. Elderly people are the first people we think of who are vulnerable to email scams, but it turns out even the most seasoned financial professionals can be duped. Continue reading
Should you fire your bank?
It is becoming more common for people to spend $25 in order to get $20 in cash from an ATM. Bank fees are being charged more than a professional bullfighter, and consumers are not happy. It may be time for you to fire your bank and find a new one! Continue reading
How to budget for child support
Paying child support is a lot like paying taxes. You can’t get out of paying it (even if you’ve declared bankruptcy, child support is not exempt), and figuring out the right amount is not an exact science. To properly budget for child support, you need to know how much you make, and you need to cooperate with your ex, who may also be responsible for payments. Continue reading
Auto Extended Warranty Scams
Don’t be fooled by the name “auto extended warranty.” An extended warranty is not actually an extension of the warranty given by your manufacturer. An extended warranty is actually a new service contract you purchase from a company or a car dealer after your warranty expires. If you’re not going to have the car long enough, you shouldn’t buy an extended warranty. If you are, then you need to be aware of possible scams. Continue reading
Help paying for a child custody battle
Divorce can be a nightmare for everyone involved. It is especially difficult for children who may end up in a custody battle. A custody battle may involve multiple court appearances, examinations from social workers, and money. Once the custody and visitation rights are determined, child support is then determined. But, even before you start paying child support, you will have to pay for the custody battle. There will be fees for appearing in court, and even more fees will be involved if you hired an attorney. Finding some extra cash to pay for a custody battle may be difficult, but it’s not impossible. Continue reading
IRS debt settlement may be possible without an attorney
If you owe back taxes to the IRS, you’re not automatically going to jail, so don’t fret. If you can’t pay the full amount, don’t panic about this, either. There are many different debt settlement options for you. Yes, you can get a settlement on your taxes just like you can with any other type of unsecured debt. Continue reading
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