A goodwill letter usually asks creditors to overlook the past due bill and accept your payment as if it had been received on time. The end result is left up to the creditor to decide whether or not to erase any negative marks on your credit report.

To attract new customers, credit card companies frequently advertise generous welcome bonuses. These welcome bonuses can quickly add up to many miles, points, and cash-back offers. Some people try to maximize their rewards by applying for multiple cards simultaneously. This process is known as credit card churning.

Payday loans have been around since the early 1930s. However, payday loans have become increasingly popular, especially among Generation Z. But despite their popularity, it’s important to note that payday loans have high-interest rates that could lead borrowers into debt.

A basic budget provides you with a plan to implement, should a financial emergency strike and you must limit your spending only to your most basic needs.

There are pros and cons to both debit and credit cards. It’s important to understand how to use both cards so that you can have great financial health.

Credit cards, debit cards and prepaid debit cards can all be used to make purchases.  The best best choice for you depends on your spending goals and what you want to get out of the card.

One of the simplest ways to secure financing is through a line of credit.  The application process for lines of credit tends to be quicker and less involved than for other types of financing such as business loans, personal loans or mortgages.

If you find yourself routinely having more month than money, then it may be time to embrace a more structured budgeting approach by starting from zero, zero-based budgeting, that is.

The Coronavirus pandemic caused financial uncertainty for individuals and businesses. Some companies laid off employees to cut costs and maintain revenue.

Life insurance is a great investment because it can financially protect your family if you pass away unexpectedly. Life insurance can help your family pay off debts, living expenses, or any final expenses.

To successfully manage your finances as newlyweds, it is important that both you and your spouse get and stay on the same page. Here are six tips to get you well on your way toward merging your finances with your spouse.