What are the Best Uses for Installment Loans?

There is no denying that the current financial environment is challenging for people with credit issues. The good news is installment loans are helping make funds more available when the need is high and the cash is low. Installment loans refer to the money lending service where you repay the amount borrowed over a specific amount of time, which may differ from three months to thirty years depending on the loan.

Unlike payday loans, which are paid in a single lump sum with high interest rate over a shorter period of time, installment loans are evenly spread throughout the term […] Read more

The Best Businesses to Start This Year

Are you looking to supplement your day job income with a side hustle, or are you trying to transition into a new business that you can run right from your own home? All new businesses started small, but there’s a significant chance for success if you invest on the right knowledge, tools and equipment and make the time to research your market.

Micro-businesses and home-based businesses are predicted to flourish even more in the following years. Perhaps the best aspect of starting a small or home-based company is that they don’t require much start-up capital and you don’t need a Ph.D. […] Read more

Should You Rent or Buy a House

Owning a home has always been believed as the best representation of the American Dream. You get to have a property with perfectly-manicured lawn; white picket fence and an abode you get call Home, Sweet Home. But apparently, there’s a shift in perspective towards home ownership over the past years and more and more people, especially the current generation, are asking themselves: Do I rent or buy a home?

Apparently, this dilemma does not come with a standard, universal answer. More than two decades ago, people knew what life trajectory they wanted to pursue, and each milestone had a designated time […] Read more

Millennials Aren’t Using Credits Cards

If you were born sometime in the 80’s and your current age is between the mid-20s to mid-30s, you can call yourself a millennial, or what some people call the Generation Y. According to Deloitte Consulting Group, millennials describe themselves as goal-oriented, realistic, determined, tech-savvy and lifestyle-driven. These are the very same words we can use to describe about millennials and their finances.

According to CNBC Money, millennials are far better at handling their finances than their parents, the baby boomers. This is in line with the survey conducted by Charles Schwab which reveals that millennials are keener to creating a […] Read more

Do You Really Need a Credit Card?

Using a credit card is a matter hot debate for many people. Some would claim that using the credit card could leave users deep into debt which in turn deters them from achieving their financial goals. On the other side, people argue that credit cards help in building the credit history which is instrumental for future financing opportunities like getting a home or new car.

If you don’t own a credit card yet, you might wonder if you need one. The truth is, we all have different stances when it comes to credit cards. And how you determine whether you need […] Read more

Financial Milestones You Need to Hit Before 30

Warren Buffet said, “If you spend money buying things you don’t need, soon you’ll soon have to sell things you need for money.” You may not relate to these words early in your teens, but as you progress through adulthood, you will gain this stark realization. When you were younger, did you say “how I wish I can be an adult already so I can do the things I want?” Well, now that you are, you’ll also realize that being an adult is actually harder.

Living independently as an adult is an exciting and overwhelming phase. By now, you’re probably done […] Read more

How to Stop Living Paycheck to Paycheck

Wouldn’t it be great to never worry about money at all? Unfortunately, this is not real or true for many of us. According to a 2015 survey conducted by the American Psychological Association, money is the top stressor among Americans and has always been since 2007 when the study was first conducted.

But that’s not all. According to a recent survey conducted among America’s financially well-off (those who a net worth of $1 million) and above, they feel that they still need to strive and stay on the treadmill despite their good fortune. The constant hustle is fueled by the desire […] Read more

How to Weatherproof Your Home

Each season brings us different household issues to deal with. When it’s rainy or incredibly cold, your basement could get flooded. During the hot or humid weather, the AC needs to work double time to keep your interiors cool. But many homeowners miss the fact that they need to adequately weatherproof their homes to avoid such awful conditions, which in the long run, could cause more complicated and expensive consequences.

In the same way, when a house is exposed and left unprotected against the ravages of severe weather, it can get flooded which can weaken the structural foundation of the building […] Read more

The Complete Spring Cleaning Guide

Spring cleaning is an old-age tradition. For the past centuries, families would huddle in the confines of their homes as winter rages outside. It’s warm and comfortable inside the house, but humans also had to interact with several things that made the abode dirty. The interiors are lighted by oil lamps that created soot while smoke clung to the walls that discolored them. Without much air, the residents also lived alongside dust, dirt and grime most of the season.

When winter ends and the warm and dry season starts, members of the household would grab their brooms and take out their […] Read more

12 DIY Projects That Boost The Value of Your Home

Several years ago, you were in the market for a new home and fell in love with this one you’re living in now. But the time has come to move on and you’ve decided that this home is not going to be your place of residence for the next years of your life. Selling the house is making more and more sense to you.

But over the years that you’ve lived here, you’ve spent thousands of dollars updating its look and filling it with beautiful things. Some areas have taken quite a beating though, like those worn out hardwood floors and […] Read more