If you’re unemployed and juggling multiple debts, you may be looking for ways to make your financial situation more manageable. A debt consolidation loan—which combines several debts into a single monthly payment—might sound like a smart move. But without a job, can you actually qualify for one? The short answer: probably not. Most lenders want […]
Strategies to Consider in 2025
Planning for retirement is all about making smart choices with how you invest your money. The right strategy can help your savings grow while protecting you from unnecessary risk. In 2025, changing markets and inflation mean it’s more important than ever to understand your options and adjust your approach based on your age and goals. […]
Can a Debt Collector Take Money from My Bank Account?
If you’re behind on payments, you might worry that debt collectors could take money directly from your bank account. The truth is, they can’t do that on their own—but under certain conditions, they can ask a court for permission. If they get a judgment against you, they may be able to freeze or withdraw funds […]
Unemployed and Can’t Pay Credit Cards? Here’s What You Can Do
Being unemployed with credit card debt can feel incredibly stressful. Without a steady income, it may seem hard to keep up with your bills. While there’s no quick fix, there are steps you can take that may help you better understand your options. Reaching out for support—whether from creditors, government programs, or professional counselors—could make […]
What Happens to Student Loans in a Divorce?
Dividing debt in a divorce isn’t always straightforward—especially when it comes to student loans. Whether the loan was taken out before or during the marriage, or even co-signed by a spouse, figuring out who’s responsible can be complex. Every state has its own rules for dividing property and debt, and the details of your situation […]
How Divorce Can Affect Your Finances—and What to Do Next
Divorce changes more than just your relationship status—it often reshapes your financial life, too. Splitting one household into two can mean higher costs, changes in income, and difficult decisions about savings, property, and debt. If you’re going through a divorce or preparing for one, understanding the financial impact can help you take control and plan […]
How Much Does Divorce Cost? Legal Fees & Asset Division
Divorce can bring major changes—not just to your personal life, but to your finances too. Legal fees, dividing property, and adjusting to life on a single income can all take a toll. But knowing what affects the cost and where you might save can make a difficult process more manageable. What Affects the Cost of […]
Irresponsible Lending, Spending and Borrowing
One of the major criticisms of banks which emerged as the extent of the global credit crisis became clear to everyone was that they lent money irresponsibly to too many people. Most of us, if offered the chance to have a spending pot of more money than we earn in a month, would be sorely […]
Is a Loan the Way To Go?
In the society in which we live, we all see from day to day people who have possessions which we would like to own for ourselves. Unfortunately, budgetary concerns make this impossible, in some cases. To overcome this situation, more and more people are looking at taking out personal loans as a way of raising […]
Can You Get Credit?
One thing that has been made very clear to people over the last few years is that taking out credit comes with some risks attached. If you are borrowing either on a credit card or a loan, it really is not advisable to borrow “as much as you can”, when the amount that you can […]
