Maximize Your Savings on a Tight Budget

If you are living on a tight budget, you are probably struggling just to meet your expenses each month and may not even be thinking of putting aside money for savings.  You need to change this mindset, as many experts feel that if you wish to retire and still maintain your lifestyle, you should have enough savings to cover 70% of your pre-retirement income each year. Saving enough to retire may seem like an unattainable goal, and if you are not on track to save for retirement, you are not… CONTINUE READING

Don’t Give up on Retirement Savings

Many Americans worry about whether they will have enough saved for retirement, and they may not even know how much money they will need to retire comfortably.  Saving for retirement is not an exact science.  Even the best laid out plans can be set back by economic swings and a volatile stock market; and savings can be drained by high inflation, unemployment, and unexpected medical bills and repairs. According to a report from The Economic Policy Institute (EPI), “The State of American Retirement,” surveying people ages 32 to 61, retirement wealth increased as… CONTINUE READING

Student loan debt is an ever-increasing problem in the United States and has become the second highest consumer debt category, right behind mortgages. Money owed on student loans has reached $1.5 trillion, and the average…

Credit cards are one of the easiest, but most expensive, ways to borrow. People who don’t pay them off in a timely fashion or only pay the minimum balance often wind up in situations with…

Chapter 7 is the most common form of bankruptcy and has certain advantages, but that doesn’t mean it is the best solution for you.  Depending on your situation, Chapter 13 bankruptcy, which allows you to…

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