People who are trying to get out of debt tend to have the same kind of love-hate relationship with credit cards that people who are trying to lose weight or improve their diet have with doughnuts. In their best moments, they write out a budget or a meal plan and follow it, but when things…

Having a salaried job can feel a lot better than not having one. You are not always scrambling to find enough gigs to pay your bills in time to avoid late fees. Your work schedule is at least somewhat predictable, so you can plan for your errands and housework instead of doing them in a…

Whoever is sharing content on social media about working adults being broke because they keep splurging on Starbucks and avocado toast did not have you in mind. If anyone knows where to find a discount, it is you. In fact, it seems like you spend all your time looking for discounts. You belong to Buy…

Californians have plenty of reasons to have a sunny demeanor, and not just because of the weather. California offers more paid medical leave than most other states, and in many California cities, it is easy to get from home to work on your bicycle or public transportation. Despite this, there is no escaping the fact…

It often takes a year or more for new business ventures to be more profitable. You might spend your first round of startup funding on business costs but then need to borrow more to keep it going. You are in good company if your New Year’s resolution is to start a business, but you do…

Family law attorneys advertise Divorce Monday, the first business Monday of the year, when unhappily married people act on their New Year’s resolutions and file for divorce from their spouses; the courts receive more divorce filings on Divorce Monday than on any other day of the year. Although bankruptcy lawyers do not advertise Bankruptcy Monday,…

You have big plans for overhauling your finances in the new year. You have been disciplined about spending for as long as you can remember, but despite cutting out all unnecessary spending in order to put every possible penny toward debt repayment, your debt balances stubbornly stay the same, or even inch higher. Making a…

What is so great about low-interest loans, anyway? You still have to repay them, and the longer the repayment term, the more interest you pay over time. Isn’t a low-interest loan just another debt? Debt consolidation loans and other types of personal loans with low interest rates seem more appealing once you find out more…

Most people choose to finance the purchase of a car not because they want to impress people with a flashy ride they cannot afford but rather as a practical financial decision. With the amount of money that is sitting in your bank account, the most you can afford to pay full price for a car…

It seems like everyone makes resolutions to improve their finances in the New Year, but it makes a lot more sense to get a head start. You can reduce holiday stress if you adopt the attitude that being disciplined about your finances is an ongoing process and not a cold turkey diet that begins X…