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Do You Know What REALLY Affects Your Credit Score?

Many consumers are aware that a credit score is an important part of their finances. In recent years, a credit score has become an indicator of your financial wellbeing and reputation. Even companies that aren't lending you money might be interested in your credit score. As a result, it's important to keep tabs on your credit score, and understand what is likely to impact your score. … [Read more...]

4 Personal-Finance Lessons From NASCAR

Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. For those of you who didn’t spend Sunday watching the Daytona 500 – and bemoaning its 6.5-hour rain delay and multiple 8-car-plus crashes – well… you have my sympathy. (And my apologies, because you probably aren’t going to like today’s post if you’re not a … [Read more...]

Top Reasons to Pay Off a Mortgage Early – by the Mortgage Mutilator

I met Alex about a year ago when he reached out to me for the first time. He had recently started a website (like I always encourage ALL of you to do) and wanted to reach out to, and help, as many people as possible. I agreed to let him write an article for me, and quite honestly, it was fantastic. Since then, he’s reached out again. And this time he had even more material – the top … [Read more...]

How To Protect Your Identity While Traveling

I‘ve done a lot of traveling in recent weeks. Not only have I moved across the country, but other than that, I've also gone on several small trips, including a trip to Dallas. In these few months, I've had two different cards throw up fraud alerts. These were alerts on my own spending, but it did feel somewhat comforting to know that there are some protections in place against identity theft … [Read more...]

You Don’t Need That MBA Degree: Continuing Thoughts on Higher Education

This is a guest post by Mariana Zanetti, who earned her MBA degree from one of Europe’s top business schools and has more than 12 years of international marketing experience in three countries. She is the author of The MBA Bubble and shared this post in response to an earlier Man Vs. Debt post by Joan titled Do You Really Need That Master’s Degree? When my Harvard MBA colleague told me … [Read more...]

How I Quickly Switched from Freelance Writer to Virtual Assistant

A couple months ago, I did an impromptu Facebook Live on my Facebook Page. I had a lot of thoughts swirling around in my head about whether I should switch from freelance writer to virtual assistant. For the past year or so, I’ve been struggling with the direction of my business. It just felt like I was doing the work but without any real purpose in mind. As a business owner you need a purpose for … [Read more...]

Where Can I Check My State Income Tax Return Refund Status?

A lot of filers who don't itemize have already filed their taxes, and if they're expecting a refund on their tax dollars, they're probably waiting expectantly to see how much they'll be getting back. Today I thought I'd give a helping hand by putting together a few resources that may be helpful in figuring out your state income tax return status. IRS Federal Tax Refund Status Information If you … [Read more...]

Taxing Decisions: Joan’s Mid-March Financial Update

Image courtesy of our friend PT of PT Money (www.ptmoney.com) Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. Tax season is hitting full-force here in the US! Our taxes have been done since early February, thanks to my own OCD record-keeping and our accountant’s desire to get us in and out as early as possible each year, what with our 80 streams … [Read more...]

How to Bounce Back From an Unexpected Emergency

Life can be rough. Whether we like it or not, bad things will happen. It’s inevitable.People get sickOur cars break downOur kids get injuredFar too often, people are impacted by an unfortunate event, which drives them into debt. And then they do nothing… They just keep that debt around forever. This is obviously not the best plan. You’ve got to figure out how to bounce back from … [Read more...]

10 Best Sites to Buy Cheap Office Supplies For Your Business

With back-to-school season in full swing, I’m getting the itch to browse the office supply store shelves and go wild. And there are lots of ways to score cheap office supplies on a budget! As you begin restocking your home office or small business space, get creative. Try purchasing from a reputable site, or checking out a new company you haven’t tried yet. Thanks to the internet, there are … [Read more...]

Co-Signing For A Loan: Never A Good Idea Unless You Like Paying For Other People’s Stuff

One thing that always makes me cringe is when I hear about someone who has been asked to co-sign on a loan for a friend or family member. I cringe because I know just how often those situations can turn bad, and how the co-signer can often be left holding the bag. Usually there's a reason why the borrower is being asked to get someone to co-sign for them.  Because they've a risky loan for the bank … [Read more...]

The Great Pile of Unread Books

Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. I love to read. It doesn’t really matter what it is – barring anything else handy, I’d happily read the back of a cereal box at breakfast – but since I was about 3 years old, I’ve rarely been without a pile of books in progress. In January, I set a goal on Goodreads to … [Read more...]

Fix Your Finances: 3 Reasons Why Your Money Needs a System Today

Are you ready to fix your finances? In my latest video that’s exactly what I’m talking about! In the past I’ve talked about the business systems you need to take back your work day. And I’ve also explained the ten things I do every week to automate and streamline my business. These are strategies I’ve put in place as way to reduce stress and gain more freedom as a business owner. And I … [Read more...]

5 Reasons to Refinance Your Mortgage Now

The perfect combination of rising home values and low interest rates is here. Conditions are ripe for refinancing a mortgage. Rates now average close to 3.5 percent nationwide. A household can cut its mortgage payment $60 per month, per $100,000 in loan balance, with just a one percent reduction in interest rate. Thirty-year mortgage rates have fallen by more than 50 basis points (0.50%) since the … [Read more...]

Julian’s Success Story: How Going $42,000 in Debt was the Greatest Decision I’ve Ever Made

Julian Hayes II is a fitness and lifestyle coach and writer based out of Nashville, Tennessee. He is the creator of 206 Fitness. Why 206? Not only is 206 one of his nicknames, but there are also 206 bones in the body. He believes anyone can achieve the body they’ve always wanted while still living a fun and adventurous life. Read more about him and download his free ebook on how to achieve the … [Read more...]

9 Benefits of Debt Freedom That Have Nothing to Do With Money

A giant net worth, a healthy savings account, thousands of dollars of cash flow each month – all of these things are benefits of debt freedom, but I wouldn’t call them the benefits. Sure, money is great and all, and it’s fantastic to not owe a soul a single penny, but the benefits of debt freedom reach farther than the typical person can actually comprehend.9 Benefits of Debt … [Read more...]

5 Awesome Self-Care Tips for Dealing With a Stressful Business

Dealing with a stressful business can make you question why you wanted to be a business owner in the first place. I get it. I’ve struggled with this too. So today I’m sharing a few ways to successfully deal with a stressful career by engaging in self-care — that you can do for cheap (or even free!). For most of this year I’ve personally struggled with the daily stress of managing my … [Read more...]

Pros And Cons Of Getting A Big Tax Refund

In 2016, the average tax return was $2,860. Most people would never consider a large tax return to be a con. It’s certainly better than having to pay the taxman a huge chunk of change, but there can be drawbacks for some people. Making smart decisions with your money includes paying taxes strategically. The Salt Lake City accountants at Anderson Bradshaw PLLC specialize in tax preparation and … [Read more...]

You Want It. You Buy It. You Forget It.

Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. Two summers ago, while visiting an art museum in Washington, D.C., we came upon an exhibit in the process of being installed. Huge letters and swaths of red, black and white covered every square inch of wall and floor. When I saw it, I took the photo above, hoping it would serve as a reminder to go back … [Read more...]

Important Tips for Keeping Your Vehicle Costs Down – The A-Z Guide

In the US, a vehicle is a necessity. The country is so vast, so diverse, and so populated that it is important to be able to get from A to Z whenever you want. Sometimes, carpooling and public transportation simply won’t cut it, especially if you don’t live in a big city. When you’re in search of a new vehicle, or a used vehicle, you will want to have all your proverbial ducks lined up … [Read more...]

How to Manage a Hectic Business Schedule Without Losing Your Mind

No one likes a hectic business schedule, but this is something that’s happening more frequently in today’s tech world. Even for someone who’s a productivity expert, I can get lost in the daily minutia. Over the past few months I’ve gone from freelance writer to project manager. It’s been a big transition and my daily schedule has completely changed because of it. Not only that, … [Read more...]

Credit Sesame Will Give You A Free Credit Score (And Help You Find Better Loan Options)

If you want to stay on top of your credit like I do, you have quite a few options that you can take advantage of in order to monitor your credit.  With the passage of the Fair Credit Reporting Act legislation the federal government gave consumers the ability to pull their credit reports from each of the three agencies, TransUnion, Equifax and Experian, once a year.  AnnualCreditReport.com is the … [Read more...]

Re-Evaluating Your Financial Priorities

Note: This is a post from Joan Concilio, Man Vs. Debt community manager. Read more about Joan. Since I shared my report from the three-year mark of my battle against debt, I’ve been amazed at the kind words from so many members of the Man Vs. Debt community. From comments to Twitter messages to emails, it’s really reaffirmed my commitment to pushing forward and – even if … [Read more...]

8 Ways to Stay Out of Debt This Christmas

In case you didn’t realize this…it’s November…which means that Christmas is a month away. Do you have a huge pile of money saved up so you can buy all those future gifts with cash?? Haha, I doubt it!The good news is, it’s not too late! And lucky for you, frugality and outside-the-box thinking just ooze from my veins! Even though you’re starting a little late, … [Read more...]

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