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There are many different types of debt and it’s not uncommon to have any one of them. There are two general categories of debt — secured debts and unsecured debts. “Secured” debt refers to debt that is secured by collateral or physical assets, such as a car loan or mortgage. “Unsecured” debt means that the […]

College students often have debt long after they have graduated. College loans cover tuition, room and board, books, supplies, and more. But, they can take years to repay. Another type of debt that can last a long time is credit card debt. If you’ve opened too many accounts over the years, or have not been […]

Hosting a baby shower is exciting but it can also be stressful. The prospect of paying for a shower can be overwhelming. However, it doesn’t have to be stressful planning an elegant and enjoyable baby shower on a budget is definitely doable. Here are some top tips on hosting a baby shower that fits your […]

Personal loans can have a significant impact on your credit. Depending on how a loan is handled, the impact can be either harmful or beneficial. There are many factors that can affect your credit when applying for, opening, repaying, or closing a personal loan. Not all of the factors are equal, but they can all […]

With the events of the past year, the federal deadline for taxes has been postponed. In 2021, you have until Monday, May 17th, to file your taxes and make payments without incurring interest or any other penalties, no matter how much you owe. Regardless of whether you have already filed your taxes, or are waiting […]

Refinancing a car allows you to take on a new loan to pay off your previous balance. You’ll have a new interest rate, along with new loan terms to be paid via a fixed payment over a certain period of time. After refinancing is complete, your new lender will send a payment to the original […]

This year, the filing deadline has been moved from April 15th to May 17th. Even so, the busiest financial season of the year is upon us, and the deadline to file personal income taxes is just weeks away. With millions of Americans rushing to file a return, it is perhaps not surprising that some people […]

Every new year begins with filing taxes. Based on your reported income, expenses, investments, and withholdings, the IRS determines whether you have sufficiently paid your share. If you’ve underpaid, then you’ll have to cover the difference and make a payment to the IRS. On the other hand, if you’ve overpaid, you’ll be entitled to a […]

Being a parent or primary provider for someone is a big responsibility. The time and energy spent caring for another human is a big commitment,  and it can be incredibly costly to pay for another person’s living expenses. That’s why the IRS offers special tax benefits for those that have dependents. Parents are often eligible […]