Everybody’s hoping for a big fat tax refund right now — but there are more than a few different options on what you can do with that refund when you actually get it. Deciding just what you’re going to do with your tax refund can be worth a little more thought right now than in [...]

A debt repayment plan is a must-have if you’re working on paying off multiple accounts. For most people, one of the simplest approaches is a debt snowball: you pay the minimum amount on all of your accounts, except the one with the highest interest rate. You throw as much money towards that one as possible, [...]

As credit card companies continue to cut credit limits, some account holders are winding up in an uncomfortable position. There have been plenty of reports of lenders reducing credit limits below your current balance. Smart Money reports:
Paul Pensabene of Saratoga Springs, N.Y., received a statement from HSBC on Dec. 8 that said he had [...]

It’s easy to get caught up in the thinking that we make personal finance decisions just for the sake of managing out money. The fact is, though, that every decision we make about personal finance can ripple through the rest of our lives.
Just A Few Ripples
It’s hard to comprehend how important even a little [...]

Unfortunately, it isn’t exactly uncommon these days for someone to get caught just a little short of where they need to be, money-wise. Maybe a person just needs a few dollars to make it until his next payday or maybe a person is in more of a financial fix than that. No matter how much [...]

When a person or a company finds themselves in so much financial trouble that they don’t think they’ll be able to handle it, they have the option of declaring bankruptcy. Legally speaking, declaring bankruptcy is the same as declaring that one cannot pay creditors. It gives debtors the chance to settle debts for what they [...]