“#MyProsperStory really starts when I was a young boy standing in front of a judge who wagged his finger in my mother’s face and said, ‘Lady, if you can’t handle this 12-year-old boy, I have a place that can!’ I was a statistic, another latch-key kid of a single mom who worked two and sometimes […]
Is a Credit Card Balance Transfer Right for You?
If you’re like the average American who has thousands of dollars in credit card debt, you might be considering a credit card balance transfer. Such offers can be a real solution for lowering your credit card interest rate and paying off your balance sooner; however, there are some caveats to those benefits that you need […]
5 Ways to Pay for a Home Improvement Project
If you’re dreaming of a new kitchen, master suite or outdoor deck and you’re not sure how to finance it, there are several options to consider. From home improvement loans to HELOCs to credit cards, there are likely multiple options that work for you. The key is figuring out the best option for your situation […]
Always Over Budget? Dodge These Psychological Spending Traps
It happens to everyone. We spend more than we make in a given month, or worse, every month. Sometimes there is a valid reason, such as an unexpected necessary expense like a car repair or medical bill. But too often, there is no apparent reason for our dwindling cash flow. Or is there? Advertisers and […]
Celebrating National Financial Literacy Month: 5 Articles to Jumpstart Your Financial Well-Being
April ushers in National Financial Literacy Month at a time when statistics show that most of us could use a refresher in financial education. Recent reports indicate that the average American has five times more in credit card debt than they do in savings. According to CreditDonkey, the average person’s credit card debt in the […]
How the Financially Savvy Put Their Tax Refunds to Work
Once you file your 2018 tax return, it’s time to celebrate with your refund, right? Yes, but just not the way you might think. Last year, the Internal Revenue Service (IRS) said the majority of taxpayers received an average refund of $2,800. Although spending a few grand on a big, shiny object might feel good […]