6 Alternatives to Payday Loans

6 Alternatives to Payday Loans

Struggling under the weight of unexpected bills, or simply finding it hard to make ends meet between paychecks can be a source of immense stress? In these moments, payday loans may seem like an attractive solution to offer quick financial relief. But don't fall for...

How to Lower Your Car Insurance Premiums

How to Lower Your Car Insurance Premiums

Car insurance premiums can add up, but coverage is often required in most states. Depending on your state, you'll need to have a certain amount of liability insurance at minimum. This provides coverage to pay for the other person's vehicle or medical expenses if you...

5 Banking Fees You Should Avoid Paying

5 Banking Fees You Should Avoid Paying

Did you know that 1 in 4 Americans with a checking account are paying banking fees costing an average of $24 per month? That's $288 per year which may not seem like much, but it's actually a lot to spend on fees. This money could probably be best used elsewhere in...

4 Best Ways to File Your Taxes Online

4 Best Ways to File Your Taxes Online

As an adult, filing your taxes can be a stressful experience. As a result, some people opt to outsource the job to professionals or use tax preparation software. But if you're looking for a more convenient–and less expensive–solution, consider filing your taxes...

The Debt-to-Income Ratio Calculation

The Debt-to-Income Ratio Calculation

When you apply for a new loan, the lender looks at a few major factors to decide if you’re a good candidate. The first is your credit score and the second is your debt-to-income ratio (DTI). Your DTI tells lenders if you can afford the loan. If it’s too high, you’re...

Hosting A Holiday Party Without Going Broke! #MoneyChat

Hosting A Holiday Party Without Going Broke! #MoneyChat

A lot of times, we commit to something months in advance and then when it comes time to do it, we almost wish we hadn’t. This often happens with holiday parties. It sounds good in October when things are light and you are excited about the upcoming festivities, but as more and more piles on your plate, it seems daunting as party time gets closer.

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If you've read books like The Four Hour Work Week, the $100 Startup, or Rich Dad Poor Dad, you may know a little something about passive income. It does sound nice to be able to make money without your direct involvement or perhaps even during your sleep. Unlike...

Best Balance Transfer and Personal Loan Tips

We have a treat for you…Dorethia has been featured as a financial expert in partnership with MoneyGeek! MoneyGeek is a trusted online resource that helps consumers make smarter financial decisions with expert-backed advice on personal finance topics like credit cards,...