Buy Now, Pay Later

Buy Now, Pay Later

You can end up spending more with “Buy now, pay later” options "The ‘buy now, pay later’ trend could be the next hidden source of consumer debt. Analysts warn that this growing industry can lead to excessive personal debts without warning and with little recourse for...

Credit card crisis during the pandemic

Credit card crisis during the pandemic

It is slowing down but still far from over.WalletHub statistics show that in the first quarter of 2021, Americans paid off a whopping $56.5 billion in credit card debt.   Personal finance website found that the U.S. credit card debt delinquency rate was 1.22%, and...

How to Get a Better Access to Credit

How to Get a Better Access to Credit

There's a better way to savePersonal loans, payday loans, and credit cards can be a hassle and a  financial setback, especially in the long run. Going through an exclusionary credit check process and paying off exorbitant interest rates with little to no cash benefits...

Emergency fund in times of needs

Emergency fund in times of needs

It's never too late to start an emergency fundIf there’s anything the past year has taught us, it’s that life can be quite unpredictable. With many people losing their jobs, experiencing rising costs of living and high medical bills, having an emergency fund can help...

3 Simple Ways to Not Have a Car Payment

3 Simple Ways to Not Have a Car Payment

How to avoid taking out a car loan. If you think nobody cares if you're alive, try missing a couple of car payments.  You've probably heard that before right? Or, probably said it yourself. Most of us rely on a car as our main transport system to get around, go to...

Credit card crisis during the pandemic

How to pay off credit card debts faster?

The new year is a good time to focus on paying down credit card debts.Credit card debts accrued particularly during the holidays. The pandemic put a halt to vacations and dining out. Americans who didn’t lose their jobs have more cash to pay down card debt. But not...