As of 2012, the average amount of student debt accrued by graduating students reached nearly thirty-thousand dollars.
For these graduating students, debt is a fact of life that they’ll be dealing with for around a decade after leaving their old alma mater.
Student debt can be prohibitive for many students, and the snowballing interest of forbearance makes it a highly unappealing option.
However, there are ways to brace yourself, or avoid payment entirely, by planning ahead when it comes to how to manage student debt before it becomes a problem.
Here are three strategies to consider when a future of student loan payments is just around the corner…
When you hear about the financial aspects of the military, you won’t get far without hearing the word “benefits”.
As we all know, the benefits range from pride in serving your country all the way down to your food allowance (BAS).
Why do we hear so much about the benefits?
Because the base pay isn’t that impressive, but once you add in the benefits, military pay doesn’t look too shabby.
The benefits go outside the realm of health insurance and allowances.
Let’s look at some benefits that the military has to offer that aren’t mentioned quite as often…
Type “Why Co-Signing” into Google and you will quickly see the suggested searches start with things like:
“Why co-signing is bad”
“Why co-signing is a bad idea”
Have you ever co-signed for someone before?
Or have you ever had someone co-sign for you?
Let’s see why it’s so bad and what you can do instead of co-signing for a friend or family member…
Do you know the total credit card debt of the United States population?
793.1 billion dollars.
Now you know. And now you have a sick feeling in your stomach. At least, I do.
Does that mean credit cards are evil? Nope.
It just means people are
That’s the problem. Here’s how to fix it…
Do you play the lottery?
Everyone knows the odds of winning the lottery are unlikely, but exactly how unlikely?
First off, I am talking about the major lotteries here.
Namely, The Powerball and Mega Millions. Heard of them?
The odds are similar for winning both. Around 1 in 176,000,000.
Not too bad, right? Oh wait, yes it is.
In fact here are a total of 24 things that are more likely to happen than winning the lottery…
Remember when you were able to go months without spending any money at all?
It seems like it was somewhere in my childhood, but…it’s been a while.
We spend money. All the time. That’s life.
Why not make money while we spend? It’s very possible and here are 11 ways to prove it…
Making money without a job.
Yeah, that’s a thing.
It’s actually pretty common.
There are many ways to make money without and job and then there are the ways you always hear about (blogging perhaps…) that don’t seem realistic.
Like anything, it depends on how much time and effort you put into it.
Here are more than 10 different ways to make money without a job…
There is a difference between being broke and being poor.
Broke is a temporary states of finances.
Poor is a mindset.
Before you go on, promise me you will never refer to yourself as poor again. Even if you feel like you are.
You may be broke, but you’re not poor.
Here is why you may be broke and how to stop it…
Summer is coming soon to a home near you. In fact, it’s coming to your home…unless you live somewhere weird.
There are ways to cut cooling costs. Practical ways.
You don’t have to spend thousands to save hundreds.
Unless you want to do that. But you don’t want to do that.
That would be dumb. I don’t even know why we are still talking about it.
Since you don’t want to do that, do this…
Giving should be fun.
If it isn’t fun, you’re doing it wrong.
I love to give, so I am always looking for new ways to do it.
I found a few…by a few, I mean 20.
If you like to give in unique and creative ways, check these out…
My wife and I headed into Oklahoma City this past weekend to look for a vehicle.
After spending the majority of the day at a certain car dealership, we ended up driving a new car home…well, new to us.
We are happy with the vehicle, and we were even happier with the price.
Long story short, they were asking almost $9,000 for a vehicle that we ended up purchasing for $2,800.
How did we do that? We used these 6 haggling hacks (I hope you can appreciate the alteration) to get the deal…
Spring is in the air.
It’s beautiful out, so obviously the first thing you want to do is
step outside think about your credit! Right?
Maybe not, but it’s a great time to do a quick spring cleaning.
You’re already spring cleaning “everything else”, why not clean up the thing that you buy “everything else” with. I’m joking, of course. I know you don’t buy everything with credit cards.
Or at least, if you do, you pay them off every month…don’t you? Sure you do!
Here are some simple and, most importantly, free steps to cleaning up your credit…
36% of Americans save absolutely nothing for retirement.
80% of people ages 30-54 believe they will not have enough money saved for retirement when the time comes.
You know you need some sort of retirement plan, but can you afford it?
Are you a statistic? Or on your way to becoming one?
Spoiler alert: Yes, you can afford to invest in your retirement
It doesn’t take much to get started and it takes even less to keep going.
Here’s how you can invest for retirement, even if you think you can’t afford it…
Then I moved on to answering the question: Is it dumb to pay off your mortgage early?
After that, I wrote about everything you need to know before you pay off your mortgage early.
Today I am giving you strategies for doing exactly that. Paying off your mortgage early.
As promised, here are 3 quick strategies to pay off you mortgage faster than you ever thought possible…
In 1982, when Forbes began ranking the richest people in the world, the qualification to be listed was only $75 million.
At that time, there were 13 billionaires on the list.
Today there are over 1,400 billionaires around the world.
From the stock market to businesses to commodities, they are all involved in some form of investing.
Here are some investing lessons we can learn from them…