Credit

For those of you who missed my previous blog on Budgetball: here’s a recap. On May 21, my organization participated in the Second Annual Budgetball Tournament on the Mall, sponsored by the National Academy of Public Administration. Budgetball is an innovative sport that... Continue reading »

Borrowing against the value of your home can be a great way to gain access to extra money with relatively reasonable terms, and both home equity loans and home equity lines of credit offer this benefit.   But home equity loans and home equity lines of credit are not just... Continue reading »

A credit card with a variable interest rate or variable APR will change as the prime rate goes up or down. The prime rate changes as the federal funds rate changes, which are set every quarter by the Federal Reserve. The federal funds rate is the interest rate at which banks... Continue reading »

We’d all like to be debt-free, but for most of us that would take a very long time and a lot of discipline. But even while we continue to diligently pay the bills each month, we can change the way we pay off each of our different debts to get closer to living the debt-free... Continue reading »

For many of us, owning a home can be a dream come true — and being at risk of losing a home can be a nightmare. But if you find yourself struggling to make mortgage payments for any reason, the worst thing you can do is go back to sleep and ignore the problem.   Your... Continue reading »

As much as we might like to, we can’t just head to the nearest bank with a loan figure in mind and come out with rolls of cash. Who’s to say what kind of trouble we would get into with no plan for repaying a loan?   And that’s exactly what lenders want to determine when... Continue reading »

I scored big this Christmas. I got something that I’ve wanted for years, but could never bring myself to buy: an authentic Coach bag. Problem is, I’m afraid to use it because I don’t want it to get scuffed up and dirty — or even touched by other people. Silly? Yes, I know.... Continue reading »