Finance Globe

When credit card debt has you down and you don’t know what to do next, it’s time to formulate a strategy. Once you better understand your situation and the steps you can take, it’s much easier tackle credit card debt in a highly efficient and effective manner. Here are five simple tips that anyone can follow: Make more than the minimum payment when possible. This isn’t always easy to do, especially if you have more than...

Is your car insurance premium dragging down your monthly budget? Are you searching for ways to save on the cost of coverage? The only way to eliminate this expense altogether is to get rid of your vehicle. Since this isn’t an option for most people, you need to consider the many ways to save. Here are five ways to lower your car insurance premium: Shop around. It’s been said before and it’s worth saying again: the...

As a college student, you will soon (if you haven’t already) realize that your financial life is changing. For this reason, there may come a point when you consider the benefits of applying for a student credit card. Before taking this leap, it’s important to assess your situation. For example, are you confident in your ability to spend within reason? If you’re on the fence, here are several of the top benefits of a student credit...

How do you make purchases when you are on the road? Are you comfortable with the system that you have in place. Just the same as when you are at home, your options include: Credit cardsDebit cardsCash While all of these options have a variety of benefits, there are several reasons why you should consider making purchases with your credit card when traveling. Here are some of the primary benefits: Easy to Track Everything If you...

Are you shopping for a new home? Are you ready to get serious about the process? If so, it won’t be long before you find yourself seeking a pre-approval from a bank. Once you have this in hand, it’s much easier to understand what you can afford, how much a particular home will cost each month, and much more. Unfortunately, many buyers make mistakes after receiving a pre-approval for a mortgage. As a result, it can...

When buying a home, there are few things more important than securing a solid interest rate from a reputable lender. There are many ways to go about doing so, such as contacting a variety of lenders on your own time. With this approach, you control the process from start to finish. Another common strategy is to rely on the services of a mortgage broker. With this approach, a broker takes on the process of shopping around...

In today’s day and age, you can purchase pretty much anything online. From groceries to construction supplies, there’s no reason to leave your home when it comes time to shop and make a purchase. A growing number of people have come to find that buying a car online is one of the most enjoyable ways to get a new set of wheels. Although the entire process is not typically completed via the internet, you can definitely...

Have you come to the conclusion that your employer should be paying you more money? Are you ready to negotiate your salary for the first time? Although this can be a stressful situation, it’s something you’ll probably face at some point in your career. Despite your concerns, such as the possibility of your employer shooting you down, it’s important to move forward and take immediate action. After all, you don’t want to work for less than...

There are many things that may lead you to close a credit card account. This isn’t a decision to take lightly, as it can have a negative impact on your credit score, but it may be a move that you have to make. Here are three personal reasons to close a credit card account: You are done taking on debt. Many people reach a point in their life when they no longer want to take on...

Are you in desperate need of money? Do you find yourself comparing your many options for obtaining the cash you need? Like many, the first place you turn is your bank account. If you don’t find what you need, it’s natural to turn your attention to your credit card. While a personal loan isn’t the right choice for every consumer in need of money, there are many benefits that allow this product to standout. Consider the...