Credit card debt can feel overwhelming, especially when you’ve got a card with a large balance (or multiple cards with large balances). And as credit card lenders charge high interest, it’s easy to feel like you’re fighting a losing battle with debt. It’s not unusual...
Do you find it impossible to stick to a budget? Does it seem like you’re always broke or that you’re living paycheck-to-paycheck? Are your credit cards almost maxed out? Do you find yourself buying things you don’t need or making purchases that you know you...
So, you’re looking for access to extra funds. Maybe you want to consolidate multiple higher-interest debts. Or you could be looking to fund a small business. Or possibly your home is due for a remodel. There are about as many reasons for taking out a...
When it comes to your overall financial health, your credit score is very important – which is why we devote a lot of attention to this benchmark. Your credit score is a solid indicator of your financial habits. It’s an unbiased, data-driven number that reflects...
Phony online shopping sites. “Spoofed” phone numbers. Legit-sounding tech support calls. It seems like scammers are always coming up with new ways to trick people into sharing personal information. The good news is that most of these scams are easy to spot – if you...
Self-care is one of the many buzzwords to gain traction on the blogosphere in the last year or so. Google “self-care,” and you’ll find images of people blissfully doing yoga with goats, eating healthy food, or kicking back with a good book. You might also...
Perhaps it starts with a phone call from a debt collector, demanding payment for purchases you don’t remember making on a credit card you don’t even have. Maybe you suddenly stop receiving your bank statements and credit card bills in the mail. Or possibly you...
Do a quick Google search for “debt repayment,” and you’ll find plenty of suggestions, from the gimmicky (Snowballs! Avalanches!) to the no-nonsense (balance transfers). How do they stack up? Which one is right for you? In this blog, we’ll take a look at some of the...
So, you’re an easy mark: The additional discounts offered by becoming a cardholder and all those bonus points if you “sign up now” are too good to pass up. But if you’re feeling that pull from a “cash-back” or “mileage points” credit card, pause for...
Here at American Credit Foundation, we're big proponents of "the emergency fund." Hopefully, if you're reading this, you already have (or have started, at the very least) a stash of cash in case of some unforeseen catastrophe. Be it a broken water heater, a hole...