According to the USDA the average cost of food per month for a family of four is $238.60. It gets even pricier if you eat lunch out everyday instead of bringing lunch to work with you. We know how much easier it is to just go out and buy something, but sometimes it pays to put in a little more effort! We have recreated a popular summer lunch item for you and compared it to what the price you may for buying it premade.
If you are like anyone else looking for help with debt resolution you have likely read about or have been warned about debt help scams. A day doesn’t go by without a someone telling me about the most recent scam in a debt related resolution programs. It is true, no doubt there are scams but I write this with the hope that you the reader will benefit from hearing the reality of debt settlement and debt resolution programs from the horse’s mouth.
You may be tempted to cosign a loan for a child, family member or friend to help them get a better interest rate on a line of credit or loan. Certainly this is a big help to someone who cannot get a loan on their own but it will also result in you being responsible for the loan. Understanding the repercussions of co-signing a loan before putting yourself in that position will put you in the know long before potential issues.
Living paycheck to paycheck can feel like a nightmare. It’s a never-ending cycle that is perpetuated by expenses and the lack of money to pay them. Credit card debt, bills and unexpected expenses making you wait anxiously for your next paycheck until you have funds again just to find yourself again quickly without money. Although not uncommon for many Americans in this time of financial crises, living paycheck to paycheck can be frustrating, and emotionally draining.
Every time you apply for credit, your credit report will show an inquiry on your reports. But what does that really mean and how does that inquiry affect you and your credit score? While a few inquiries are fine, too many can result in lowering your credit score and even a denial of credit! What this means to creditors is that you may be ‘desperate’ and lenders and may hinder your chances of receiving credit/loan. Since lenders don’t like to see too many inquiries on your report, so in order to keep down the amount of inquiries on your file, it is necessary to understand the different types of inquiries.
In order to be able to keep your credit score high and report gleaming, it is important to understand the difference between these inquires.