There are 44.2 million Americans with student loan debt. Unbelievable, right? I, thankfully, graduated with very little debt for my 4 year out-of-state private college. I had $15000 in Federal student loans and I was able to consolidate them into an extremely low rate (like under 5%) for 15 years as soon as I graduated. My… Read More Are student loans worth it?
Planning for retirement is a necessity. It is going to happen, like it or not. You are getting older and that in itself is a reason to begin thinking about the process of saving for retirement if you haven’t. Most employers offer a 401(k) or retirement program. Depending on the company, they may even match… Read More Planning for Retirement
I was running late and wanted to grab a shower before taking my middle daughter to school. I had just worked out and had a million errands to run. I needed to throw some laundry into the washer and run the dishwasher since we hadn’t run it overnight. I started the shower and put my… Read More Are You Prepared for an Emergency?
Over the course of January the focus was on how to deal with creditors. In February, the focus will be on saving money – for emergencies, for retirement and for your child’s college education. Saving can be a really difficult thing for people, particularly those with a lot of debt or who aren’t sure when… Read More February Focus
What do you do if you get a call from a debt collector? You probably panic right? Especially if you have never gotten a call from someone in acollection department before. But, you need to remember that you NEED to keep your emotions in check. If you start to feel emotional or start to get… Read More How to Handle Collection Calls
Many times when people want to pay off their debt, they take on more debt. That doesn’t seem to make much sense, but you will find that people often take out “debt consolidation loans” or use equity in their homes or cars. Some people apply for 0% interest rate credit cards and make a balance… Read More What is a debt snowball?
While getting out of debt can seem hard, sometimes talking to our spouses can seem even more difficult. If you’re already in a marriage where communication isn’t easy, talking about money can seem down right daunting. How do we go about talking to our spouse about money if we are already feeling ashamed, embarrassed, nervous… Read More How to have a productive conversation with your spouse about money
It’s hard to believe that it’s January but it is! Do you look upon the new year as a new start? Do you make resolutions and vow to change habits and do things differently from last year? I used to make resolutions until I realized that I never achieved them. Part of the problem with… Read More 2018 is here
I apologize that it’s been so long since my last blog post. I am hoping to get on a weekly schedule, but my husband has been editing my posts, and hasn’t gotten to the one’s I’ve written yet. So, no weekly posts just yet. But hopefully soon. In the Credit Savvy Diva community on Facebook… Read More Prepping for the Holidays
Many times people fail to create a budget simply because they don’t understand the importance of having one and because they feel it’s overly complicated. Creating a budget doesn’t have to be complicated though. In fact, it can be very simple. You need to know what a budget does first. And a budget has… Read More It’s Complicated