Even though, debit and prepaid cards work similarly, learn their differences before choosing either one.  Use both cards to pay bills, make online purchases, and to withdraw money from an ATM. Prepaid cards come in two versions, which are re-loadable and non re-loadable. Here is a list of differences between prepaid and debit cards. Approval [...]

It happens to the best of us: you take a look at your credit score for the first time in awhile, see that it’s below a certain number and think, “When the heck did that happen?!” Many of us have been there, staring a poor credit score in the face and ruing the much-too-small number [...]

If you currently aren’t as secure financially as you would like to be, then what is it that could be causing this? Of course on the one hand it might well be to do with your salary – and if your salary is low and you’re paying a lot for rent then you will find [...]

Debt collectors may contact anyone that is mistakenly appearing on creditors’ records or behind bill payments. The FTC (Federal Trade Commission), America’s consumer protection entity, prohibits any debt collector from using unfair, abusive, or deceptive acts to collect money by enforcing the FDCPA (Fair Debt Collection Practices Act). The FDCPA states that anyone in the [...]

There is no doubt that finding yourself struggling with debt can be a frustrating and scary time. For many the only solution will be filing for bankruptcy, something which can be devastating, both emotionally and financially. But for those who do choose bankruptcy, use it as a way to learn from your mistakes, focus on [...]

After years of running their children to sports practices, dance recitals, piano lessons, and academic competitions, parents are usually thrilled with the idea of having a teen with a driver’s license. They can just imagine sending this willing young driver on errands around the neighborhood and giving them the freedom and responsibility of getting themselves [...]

Banks and credit unions offer safe alternatives to keeping your money in cash within your home. Along with security, both banks and credit unions offer benefits to their customers and members. Is there a difference between a bank and a credit union? Does it really matter, in the long run? The answer to these questions [...]

Life is full of important milestones, but the unfortunate thing is that you don’t often realise how important a moment is until it is upon you. As a result you are often unprepared, which can sometimes be exciting and exhilarating, unless it is your finances which are unprepared, because without sufficient finances you may not [...]

Most people have had the unfortunate problem of needing a little more money. Luckily, there are several ways to put some extra spending money in your pocket. Of course, taking up a second job or participating in medical research studies is an option, but many people do not feel they need to take such serious [...]

They say that money is not everything in life, but the sooner we accept that money is absolutely vital for a happy life, the better off we will be. Today’s generation believes in living their life to the fullest, unlike previous generations that believed in saving for a rainy day. But in the quest to [...]