Finance Globe

​Credit card debt is one of the worst kinds of debt you can have. You may have had good reasons to accumulate the high interest debt, but you should try to eliminate the debt as soon as possible. You need to create an action plan to help you reduce and eventually eliminate your credit card debt. Below are several strategies and tips to help you eliminate your credit card debt.  Create a plan of action -...

Buying a house is a huge financial decision. It may even be the biggest financial decision of your life. You may think you are ready to be a home owner, but you have to do your homework before making a purchase of this magnitude. Home buying can also be a very confusing and daunting task. Below are several tips to better help you understand the home buying process and find a home that's the perfect fit...

​Do not ever overpay on your taxes! You should always take all the deductions that apply to you so you pay the lowest taxes possible. Below are several overlooked deductions you may not be considering when filing your taxes: State sales taxes – This write-off makes sense primarily for those who live in states that do not impose an income tax. You get to choose between deducting state and local income taxes, or state and local...

It is a great feeling to get married! When you say I do, you are very much in love, and aren't necessarily thinking about money or finances. But when you get married, you aren't just tying the emotional knot, but a financial knot as well. That financial knot will have to keep you strong throughout your lives so you can have prosperous lives. It is important to set money expectations from the start and to always...

Everyone who has student loans wants to pay them off and wants them to go away. There are many ways to help you pay back your student loans faster. If you make your student loans a priority, it will be easier to pay them off. Below are 5 ways to help you pay them back faster:  Make a plan and understand your loans. You need to understand your loan amounts, terms, rates, etc. and map out exactly how...

With the holiday season in full swing, it can be a challenge to keep your budget in order. Just when you think you have everything under control, you come to find yourself spending money on something that doesn’t typically come into play. While there is nothing wrong with enjoying yourself during this time of the year, it’s important that you don’t overspend. If you get into the habit of doing this, you may not like what...

If you’re looking for ways to improve your credit, perhaps so you can buy a house or car, you may consider hiring a credit repair company to help you. Before you pay hundreds or thousands of dollars for a company to fix your credit, make sure you understand your rights. You have the right to have errors removed from your credit report for free. When you find errors on your credit report, you can dispute them...

Did you know you have more than one credit report? In the United States there are three major credit bureaus – Equifax, Experian, and TransUnion. If a creditor, lender, or another business needs to review your credit to approve your application, they’re likely going to use your credit report from at least one of these credit bureaus. When you’re monitoring your credit, it’s important that you check all three of these credit reports, not just one...

Whichever reason you need a loan there are thousands of different choices to make before applying. The first of which is what type of loan to get, unsecured credit loans or secured credit loans. It's important to understand the difference between the two and how both can benefit or put you at a disadvantage. The first crucial decision is do you want a loan or a line of credit? What's the difference between them? A loan...

It may sound really easy to figure out mortgage loan companies, but the task is more formidable than most people expect. As you shop for your loan you may come across terms such as ARM, fixed rate loan, balloon mortgage, points, lock-in period, closing cost, prime rate and others. It's crucial to not only know what those terms represent, but to apply them to lenders. Rating mortgage companies means finding out what they are offering as...