Articles written by Kat Tretina

Kat Tretina

Kat Tretina is a freelance writer in Orlando, Florida. She double majored in English and Communications at Elizabethtown College, before going on to earn a Masters in Communications from West Chester University. She specializes in personal finance and is dedicated to helping people improve their financial futures.

10 Smart Ways to Use Your Tax Refund

Kat Tretina January 22, 2025 • 4 Minute Read
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You may have already started dreaming about ways you could use your refund dollars. But before you start spending, take a step back and consider if there are other ways you can use your refund to improve your financial standing. Learn more from these 10 smart ways you can use your tax refund.
Half of Americans Received No Education on Credit Cards; That’s a Problem

Kat Tretina June 14, 2024 • 4 Minute Read
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If you juggle multiple credit cards and carry a balance, you’re not alone. According to The Motley Fool, cardholders in the United States have an average of $6,360 in credit card debt. Millions of people have credit card debt, making it one of the most serious financial issues affecting individuals.
4 Rewards Credit Cards That Can Maximize Your Memorial Day Weekend Plans

Kat Tretina May 4, 2024 • 3 Minute Read
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Memorial Day is just around the corner. This national holiday has become an occasion to enjoy summer cookouts, long weekends, and time with family and friends. If you’re planning an epic Memorial Day weekend, these 4 credit card offers can help you get valuable rewards to maximize your budget.
7 Ways to Make Money on Super Bowl Sunday

Kat Tretina January 24, 2024 • 3 Minute Read
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As one of the country’s biggest sporting events, people will host parties and events nationwide. However, if you’re not a football fan, it can be a bit dull. Thankfully, Super Bowl Sunday can be a money-making opportunity if you’re willing to forgo the game. Here are 7 creative ways you can make money during the big game.
7 Ways to Save Money on Holiday Shopping

Kat Tretina November 14, 2023 • 3 Minute Read
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The holiday season is upon us, which means you’re likely shopping for gifts, decor, and other trimmings. The cost of holiday shopping can quickly cost you hundreds or even thousands of dollars, derailing your financial goals and wrecking your budget.
What to Avoid Buying on Black Friday

Kat Tretina November 6, 2023 • 3 Minute Read
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Retailers are desperate to make you part with your hard-earned money. They rely on retail tricks to convince you to open your wallet when you otherwise wouldn’t spend money. To avoid overspending, here are five Black Friday tricks you should know about.
10 Ways to Save Money

Kat Tretina October 9, 2023 • 4 Minute Read
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October 12th is National Savings Day and it’s the perfect time to get your financial life in order. If you’re looking to boost your savings or pay down debt, it’s important to take action and come up with a plan so you can meet your goals.
Why You Should Refinance Your Car Loan

Kat Tretina September 7, 2023 • 3 Minute Read
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Having less-than-stellar credit, a car loan can be expensive. If you have purchased a car with a high-interest loan and your financial situation has improved since then, you might be able to save money. Here’s what you need to know about refinancing and how to decide whether or not it’s right for you.
Credit Card Payment Processing 101

Kat Tretina July 13, 2023 • 3 Minute Read
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Have you ever thought about how credit card payment processing works? It’s actually a very complex process involving many different players. Here’s everything you need to know about credit card payment processing.
Use Cash & Points to Save Money on Hotel Stays

Kat Tretina June 19, 2023 • 3 Minute Read
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If you’re a frequent traveler, you’re probably a member of a hotel-branded loyalty program or you may have a travel rewards credit card. These programs help you earn points which you can use to book future hotel stays.
3 Smart Reasons to Take Out a Personal Loan

Kat Tretina June 2, 2023 • 3 Minute Read
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Personal loans are a popular way to borrow because they’re typically easy to get and don’t require any collateral. To help you determine whether you’re right to consider a personal loan, we’ll cover three good reasons to apply for a personal loan, and also a few bad ones.
4 Ways to Turn Extra Space Into a Goldmine

Kat Tretina June 1, 2023 • 3 Minute Read
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If you look around your home or garage and see extra space or unoccupied rooms, you could be seeing dollar signs. You can earn cash from spare space without having to spend a ton of time prepping or marketing. Here are some ways you can turn unused living or storage space into money, fast.
Co-signers and Personal Loans: What You Need to Know

Kat Tretina May 14, 2023 • 3 Minute Read
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If you have high-interest credit card debt or need money to pay for an unexpected car repair, taking out a personal loan can be a smart strategy. However, it can be difficult to qualify for a loan — and to score a low interest rate — if your credit score isn’t excellent.
Unsecured vs. Secured Loans: What's the Difference?

Kat Tretina May 4, 2023 • 3 Minute Read
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Taking out a personal loan can help you pay for necessary repairs or major purchases. If you’re thinking of applying for a loan, you may have come across the terms “unsecured” and “secured.” But what’s the difference?
How to Get a Car Loan with Bad Credit

Kat Tretina April 27, 2023 • 3 Minute Read
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If you’re new to credit or are trying to rebuild, getting an auto loan can be difficult. Even though auto loans are secured by the car itself, many auto lenders are uneasy about lending to someone with a poor track record.
7 Dangerous Places to Carry a Debit Card

Kat Tretina April 26, 2023 • 3 Minute Read
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It’s important to know that you shouldn’t rely on a debit card for everything. In fact, using a debit card can sometimes be downright dangerous. Here are seven occasions when using a debit card just doesn’t make sense.
5 Ways to Handle a Tax Bill You Can’t Afford

Kat Tretina March 28, 2023 • 3 Minute Read
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If you owe money, but don’t have the savings to cover the bill right now, it’s important to face the problem head on. You can decrease how much you’ll owe in penalties by using these 5 tips.
Job Hunting Hack: Clean Up Your Social & Financial Profiles

Kat Tretina March 7, 2023 • 4 Minute Read
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If you’re in the hunt for a job, you likely have polished your resume, bought an interview suit, and spend huge chunks of your day scouring job boards. However, if you haven’t taken the time to check out your web presence & monitor your credit report, you could cost yourself that coveted job.
5 Things You Need to Know About 0% APR Offers

Kat Tretina February 7, 2023 • 3 Minute Read
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If you’re looking for a new credit card, you’re probably bombarded with different advertisements. Cards often boast high rewards, signup bonuses, and travel benefits. Another common perk is a promotional 0% annual percentage rate (APR) offer.
Pros and Cons of Debt Consolidation Loans

Kat Tretina February 1, 2023 • 3 Minute Read
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If you’re determined to pay off your debt as quickly as possible, taking out a debt consolidation loan can make a lot of sense. Here’s what you need to know about the pros and cons of this strategy.
Using a Personal Loan for Medical Procedures

Kat Tretina January 23, 2023 • 3 Minute Read
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Medical loans are a form of a personal loan. They’re specifically designed to pay for medical expenses, including essential or elective procedures. They’re unsecured, meaning you don’t have to put up any property as collateral, and they can even be used to cover the cost of your deductible or out-of-network fees.
Why You Need a Credit Card After Declaring Bankruptcy

Kat Tretina January 19, 2023 • 3 Minute Read
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When you declare bankruptcy, your credit score and report can be ruined, and it will remain on your credit report for seven to 10 years. However, that doesn’t mean you’re stuck with bad credit for a decade. You can start rebuilding your credit right away. Check out these tips to get you back on track.
7 Ways Your Credit Score Affects Your Life

Kat Tretina December 28, 2022 • 3 Minute Read
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After your Social Security number, the most important number in your life is your credit score. You probably know that lenders look at your credit when deciding whether or not to issue you a credit card or loan, but your credit score plays a much more significant role in your life.
How to Repay Holiday Debt

Kat Tretina December 19, 2022 • 5 Minute Read
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If you have debt after the holidays, you’re not alone. By using these five tips, you can get out of debt, and save money in the process, putting you in a more secure financial position for next year’s holiday season.
7 Ways to Make Money Over the Holidays

Kat Tretina December 14, 2022 • 3 Minute Read
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Trying to buy thoughtful gifts for friends and family and finding just the right outfit for every holiday party can hurt your budget. If you’ve been working on paying down student loan debt or building an emergency fund, the holidays can be a serious setback.
How and Why to Get a Car Loan Before Going to the Dealership

Kat Tretina November 6, 2022 • 3 Minute Read
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Before you even begin looking for auto loans, there are a couple of steps you can take to simplify the process and make it more stress-free. Check out these 5 ways you can plan ahead and save a ton of time further down the line.
Should I Get a Holiday Loan

Kat Tretina October 31, 2022 • 3 Minute Read
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While it’s a festive and cheery time of the year, it’s also expensive. Many people don’t have the kind of money saved in their bank accounts, leaving them scrambling to pay for holiday expenses. If that’s the case for you, you might be considering using a credit card to finance your purchases. But there may be another option that’s a better choice: a holiday loan.
5 Reasons Why You Should Never Take a 401(k) Loan

Kat Tretina October 28, 2022 • 3 Minute Read
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When you need cash for a downpayment on a home or when you hit a financial emergency, your retirement nest egg can look pretty appealing. You might have thousands stashed away in a 401(k), so when you need money quickly, taking a loan from your own account can be tempting.
How to Create a Budget for the Holidays

Kat Tretina October 6, 2022 • 3 Minute Read
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The holidays are rapidly approaching, so you’re probably coming up with gift shopping lists and planning your decorations and travel arrangements. But there’s one major task you have to do before you start making purchases: come up with a holiday budget.
7 Ways to Save Money this Halloween

Kat Tretina October 5, 2022 • 3 Minute Read
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Halloween is just around the corner, however, it can quickly derail your budget. CreditSoup has seven tips to save money on Halloween candy, costumes, and decor.
How Does Your Credit Score Measure Up?

Kat Tretina August 15, 2022 • 3 Minute Read
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You’ve probably heard from your parents and teachers that a good credit score is important. But what is good credit for your age and how do you get there? Find out what the average credit score is for each age group and what you can do to improve your score.
How to Get a Great Rate on a Car Loan

Kat Tretina August 9, 2022 • 4 Minute Read
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You can save money on your new car by shopping around for a car loan before you buy one. If you’re planning on buying a vehicle, follow these steps to get the best deal.
Getting a Perfect Score: Is an 850 FICO Even Possible?

Kat Tretina August 5, 2022 • 5 Minute Read
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Your FICO score is determined by completing a complex calculation of your entire credit history, broken down into an easy-to-understand three-digit number. The higher your FICO score, the more creditworthy you are.
7 Tips for Staying Debt-Free

Kat Tretina August 4, 2022 • 3 Minute Read
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Being debt-free gives you more financial freedom, allowing you to pursue other goals without the weight of interest charges and monthly payments on your shoulders. To keep yourself from ending up in debt again, use these tips and regularly review your finances.
How to Protect Yourself With Renter’s Insurance

Kat Tretina July 27, 2022 • 3 Minute Read
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35 percent of American households rent their homes. Renting makes sense for many reasons: you might not be financially ready to buy a home, are testing out a new city, or it might be cheaper to rent than to buy in your area. Renting can be a great solution, but there are some risks involved. If you are going to lease a home, you need to have an essential safeguard against damage or theft: renter’s insurance.
How Many Credit Cards Should You Carry?

Kat Tretina July 20, 2022 • 5 Minute Read
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If used strategically, credit cards can be an amazing tool. They can give you more flexibility in your spending, allow you to earn valuable rewards, and you can take advantage of benefits like free car rental insurance and purchase protection.
How to Pay for Your Dream Vacation With a Personal Loan

Kat Tretina June 12, 2022 • 3 Minute Read
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Using a personal loan to pay for a vacation is never ideal, and no financial expert would ever recommend you do it. Instead, you should aim to pay for your trip in full with cash from your savings or checking account.
What You Should Know Before Taking Out a Wedding Loan

Kat Tretina June 7, 2022 • 3 Minute Read
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Wedding loans are a form of a personal loan. Lenders designed them specifically to pay for wedding-related expenses, such as the dress, invitations, flowers, and renting a venue.
How to Qualify for a Home Loan When Self-Employed

Kat Tretina June 1, 2022 • 3 Minute Read
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Being your own boss has some downsides, especially if you plan on buying a house. Self-employed mortgage applicants may have a tougher time qualifying for a home loan, and there are more hoops you have to jump through. Here’s what you need to know to buy a home when you’re self-employed.
6 Ways to Build Your Credit History

Kat Tretina May 26, 2022 • 5 Minute Read
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When I graduated from college, apartment shopping was a nightmare. I had a good job, a decent entry-level salary and I was only looking for a small studio, yet I couldn’t get approved on my own. Because I had been starkly anti-debt and never had a credit card or car loan, I had something worse than a low credit score - I had no credit at all.
5 Best Places for a Summer Road Trip

Kat Tretina May 20, 2022 • 3 Minute Read
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Summer is almost here, and you're contemplating a vacation. But, you don’t need to spend a ton of money on hotels or airline tickets. You can have an epic journey with family or friends with a summer road trip. CreditSoup has 5 ideas on where to go this summer!
Pros and Cons of Using a Personal Loan for Business Expenses

Kat Tretina May 5, 2022 • 3 Minute Read
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If you dream of starting a business or want to expand your side hustle, finding the money you need to make your goals a reality can be difficult. Most business loan lenders require you to be in operation for several years before you can qualify for a loan; if your business is new, you won’t be eligible for a loan.
How Debt Consolidation Can Help You Save Money

Kat Tretina April 30, 2022 • 3 Minute Read
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Overwhelmed with credit card debt? You’re not the only one. According to Experian, the average credit card balance is $6,194. Credit cards tend to have high interest rates — the Federal Reserve reported that the average APR is 16.97% — which can cause your balance to grow over time.
3 Financing Options for Home Improvement Projects

Kat Tretina March 18, 2022 • 3 Minute Read
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Home improvement projects can improve the look of your home, boost its usability, and even increase its resale value. While it would be best to pay for those repairs or renovations with money from your savings account, most people don’t have enough money tucked away to cover the cost. That’s when home improvement loans can be a wise solution.
5 Tips for Using a Personal Loan for Job Relocation

Kat Tretina January 8, 2022 • 3 Minute Read
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Relocating for a new job can be exciting, scary, and expensive. If you don’t have enough money stashed away in savings to cover the cost, you may be thinking of charging your moving expenses to a credit card. But there may be a better way: using a personal loan.
7 Places to Sell Used or Unused Stuff for Cash

Kat Tretina November 4, 2021 • 3 Minute Read
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Whether you’re short on cash and need money to pay rent or just want to boost your savings, your home can be a great source of income. It's best to start comparing prices on a number of selling sites to ensure you get the best deal. Check out these top 7 places to sell your used or unused stuff online.
Should I Use a Personal Loan to Start My Business?

Kat Tretina October 1, 2021 • 4 Minute Read
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When you have a great idea for a business, the biggest roadblock to your success is money. Depending on how much you need to get started, a personal loan may be a good option to consider. But before you fully commit, take a look at this list of pros and cons to make sure it’s right for you.
Gap Visa Credit Card Review

Kat Tretina June 4, 2021 • 3 Minute Read
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Gap is one of the most recognized brands in the country. It’s where shoppers go to stock up on quality basics and casual wear for all ages. If you’re a frequent shopper, one way to save is to sign up for a Gap-branded credit card. Here’s what you need to know before you apply.
Target REDCard™ Review: Is It Worth It?

Kat Tretina May 21, 2021 • 4 Minute Read
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Offering 5% off your purchases every day, the REDCard™ could be a tempting option. But is it worth it? Find out how the card works, what benefits it offers, and whether or not it offers valuable rewards.
How to Decide Which Type of Credit Card is Best

Kat Tretina May 14, 2021 • 3 Minute Read
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If you’re new to credit cards, picking out the right one can be an overwhelming decision. There are literally hundreds of credit cards out there, all with their own terms, fees, and rewards. Before applying for a credit card, follow these five steps to ensure you make a sound decision.
5 Tax Myths Debunked

Kat Tretina March 10, 2021 • 3 Minute Read
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The deadline to file your federal tax return is quickly approaching. If you’re like most people, tax season fills you with dread. Often, people feel stressed by preparing their taxes because they’re overwhelmed and don’t fully understand the rules. To help you file your taxes accurately, let’s debunk the five most common tax myths.
5 Side Hustles That Pay $20/Hr and Up

Kat Tretina July 15, 2020 • 3 Minute Read
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The term side hustle has become quite popular lately and for good reason. Most of us could use some extra money in the bank. The reality is, many side hustle jobs are easier to get started than you think.
6 Painless Ways to Meet Credit Card Bonus Spending Requirements

Kat Tretina June 11, 2020 • 3 Minute Read
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While it may feel like you have to go on a mega shopping spree to qualify for the bonus, there’s no need to go into debt to meet the minimum spending requirement. In fact, there are six easy ways to meet the requirement without going broke.
7 Things to Do Now to Protect Your Finances from Covid-19

Kat Tretina March 19, 2020 • 5 Minute Read
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The coronavirus pandemic has already had a significant impact on our daily lives, and it’s even started affecting our bank accounts. Whether you’ve already been affected or are simply preparing for the worst, here are seven things you can do now to protect your finances.
Kohl’s Credit Card Review: Get Exclusive Access to 12 Sales a Year

Kat Tretina September 13, 2019 • 4 Minute Read
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The Kohl’s Charge Card is a retail card, which means it can only be used at Kohl’s stores and online at Kohls.com. That’s pretty typical of a store-branded card, but one thing to keep in mind is that the Kohl’s card has a very high APR. Carrying a balance will cost you in interest fees.
7 Credit Card Perks that Justify the Annual Fee

Kat Tretina August 20, 2019 • 3 Minute Read
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When you’re shopping for a new credit card, you probably look at things like APR, rewards, and fees. But if you’ve been turning down cards because they charge an annual fee, you may want to think again.
What Credit Score You Need to Qualify for the Most Popular Credit Cards

Kat Tretina July 24, 2019 • 4 Minute Read
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To qualify for a strong rewards credit card, you’ll likely need a high credit score. More basic cards have lower requirements, so it’s easier to get approved for a card.
U.S. Household Credit Card Debt Continues to Grow

Kat Tretina June 19, 2019 • 3 Minute Read
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Credit cards can be excellent tools — they’re convenient, and you can earn valuable rewards like cash back or airline miles. However, credit cards can cause problems, too. If used incorrectly, credit cards can lead you into debt.
5 Ways Credit Cards Can Impact Your FICO scores

Kat Tretina June 10, 2019 • 3 Minute Read
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Credit cards play a big role in establishing your credit score. If used wisely, credit cards can positively impact your credit. But, at the same time, credit card mistakes can be costly in the form of a damaged credit report.
United Explorer Card Review: Maximizing Your Benefits

Kat Tretina May 29, 2019 • 4 Minute Read
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If you regularly fly on United flights, you’ve likely heard about the United Explorer card and may be considering adding it to your wallet. But is it worth it?
Credit Monitoring vs. Credit Freezes: Which Offers More Protection?

Kat Tretina May 24, 2019 • 3 Minute Read
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If you’re worried about identity theft, it’s essential that you take measures to protect your credit. Two options to consider are credit monitoring and placing a credit freeze on your accounts. While both approaches offer extra security, they’re not interchangeable and they each have their own drawbacks and benefits.
Apple Card: Is It Worth the Hype?

Kat Tretina May 15, 2019 • 4 Minute Read
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The Apple Card will be linked to the Apple Wallet app on iPhones, streamlining your experience with Apple Pay. You can sign up for the Apple Card and start using it right away in stores, online, or through the app.
What Are Foreign Transaction Fees

Kat Tretina April 19, 2019 • 3 Minute Read
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Credit card offers charge certain fees. One of the most common are foreign transaction fees. These fees are charged whenever you make a purchase with a non-U.S. retailer. The fees are generally set as a percentage of your total purchase; they’re typically about 3%.
Is the Bank of America® Business Advantage Travel Rewards World Mastercard® right for you?

Kat Tretina April 14, 2019 • 2 Minute Read
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As a business owner, having access to a reliable source of credit is essential for your business’ well-being and operations. A good credit card can be invaluable, helping you purchase the inventory and supplies you need, when you need them.
Making Sense of the Credit Card Reconsideration Process

Kat Tretina April 11, 2019 • 3 Minute Read
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When you apply for a credit card, you usually get an immediate response: you’re either approved or (gulp) denied. If you have your heart set on a certain card because of its valuable rewards or benefits, getting a denial can be frustrating.
Review: Discover it® Student chrome

Kat Tretina March 26, 2019 • 3 Minute Read
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As a student, it’s especially important to start building good credit habits now. The earlier you get started, the better off you’ll be once you graduate. However, getting started can be difficult; student credit cards can be hard to find.
Which network has the best merchant acceptance – Visa®, Mastercard®, Discover® or American Express®?

Kat Tretina March 18, 2019 • 2 Minute Read
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If your goal is to maximize your money, using a credit card instead of cash at the register is a smart move. Whether you have a Visa®, Mastercard®, Discover®, or American Express card®, you can earn valuable rewards and even cash back, putting money back in your wallet.
Chase Freedom® vs. Chase Freedom Unlimited® – Which is Best?

Kat Tretina March 15, 2019 • 4 Minute Read
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If you’re looking for a solid rewards credit card, Chase offers some of the best options on the market today. But with so many strong cards available, it can be difficult to decide on which is best for you.
Old Navy Credit Card Review: Are the Rewards Worth It?

Kat Tretina March 15, 2019 • 3 Minute Read
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Old Navy and its sister brands (Athleta, Banana Republic, and the Gap) are wildly popular, and it’s no surprise why. Where else can you get a whole wardrobe for less than $200? Offering clothes for the whole family, Old Navy makes sense for both budget and fashion-conscious shoppers.
Is the Discover it® Student Cash Back Card Right for You?

Kat Tretina March 5, 2019 • 3 Minute Read
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As a college student, you have a unique opportunity to build credit while you’re still young, which will help you immensely after you graduate. If you’re looking for a student credit card, check out the Discover it Student Card.
What Is the Chase 5/24 Rule?

Kat Tretina February 19, 2019 • 2 Minute Read
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If you’re a skilled credit card user and juggle multiple rewards credit cards to take advantage of their benefits, you know how great Chase’ Ultimate Rewards program can be. Offering excellent cash back, bonus miles, and perks, Chase rewards are extremely valuable.
Are Credit Card Rewards Taxable?

Kat Tretina February 15, 2019 • 3 Minute Read
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For the most part, you will not have to worry about your smaller amount rewards getting caught up in the IRS. Overall, cash back rewards do not need be reported because they are considered a discount, not reportable, taxable income.
How to Do a Balance Transfer in 5 Simple Steps

Kat Tretina January 25, 2019 • 3 Minute Read
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ne way to tackle your debt and save money is to complete a credit card balance transfer. With this approach, you can get a lower rate, so more of your payment goes toward the principal rather than interest. It can help you save money and get out of debt faster.
Why You Need to Switch to Online Banking

Kat Tretina December 28, 2018 • 2 Minute Read
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When it comes to banking, it’s easy to stick with what’s comfortable. You likely signed up for a bank account with a local branch while you were a teenager — if not younger. If you’re like many, you probably are still with that same bank, even though your finances have changed.
How to Pick a Health Insurance Plan for 2019

Kat Tretina December 21, 2018 • 3 Minute Read
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Whether you get insurance through your employer or through the Health Insurance Marketplace on Healthcare.gov, it’s important to understand how insurance works before choosing a health insurance plan for 2019. Below are 5 common health insurance questions and answers that will help you choose the right plan.
Which is Better for the Holidays: Personal Loan or Credit Card?

Kat Tretina December 9, 2018 • 3 Minute Read
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With the holidays just around the corner, many people are worrying about how to pay for the holidays. Between gifts, travel, decor, and meals, the holiday budget can quickly spiral out of control.
How to Get the Most Money for Your Cell Phone

Kat Tretina December 4, 2018 • 3 Minute Read
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While it may be tempting to just trade it in for a new phone because of convenience, you may be throwing money away. Instead, check out these five tips to get the most money for your phone.
How to Boost Your Credit Limit

Kat Tretina December 3, 2018 • 3 Minute Read
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When you get your first credit card, your credit limit is typically very low. It could be as small as a few hundreds dollars. While getting a credit card is a great step in building your credit, having such a small credit limit can be frustrating.
Review: Is The Chase Freedom Unlimited® Card Right for You?

Kat Tretina October 26, 2018 • 5 Minute Read
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If you’re looking for a valuable rewards credit card you can use to earn cash back, the Chase Freedom Unlimited® card might be for you. Boasting a high cash back rate and a nice signup bonus, you can start building valuable rewards quickly.
How to Pick the Best Travel Credit Card in 5 Easy Steps

Kat Tretina October 24, 2018 • 3 Minute Read
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Whether you traveling for pleasure or business, a good travel credit card can make your life much easier. You can earn cash back rewards, receive bonus offers, get access to airport lounges, and even get rental car coverage.
5 Differences Between Charge Cards and Credit Cards

Kat Tretina October 18, 2018 • 3 Minute Read
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What type of card you have is important. It affects how much you owe each month, what you’ll pay in fees, and how much you can spend. When deciding whether to open a credit card or a charge card, it’s important to keep these differences in mind to ensure you make the right choice for you.
How to Use a Personal Loan to Launch a Freelance Business

Kat Tretina October 12, 2018 • 3 Minute Read
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Many new freelancers and business owners go through the same thing. They have trouble getting the money they need because they’re so new. If you are entering into the world of freelancing and are needing the extra funds to be successful, learn more about how a personal loan might be best for you.
How to Get 800 Credit Score in Your 20’s

Kat Tretina September 25, 2018 • 3 Minute Read
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If you want to achieve financial success at a young age, one of the best places to start is with your credit score. Your credit affects everything from the interest rate you get on a loan to whether or not you’ll land your dream job. Taking the time now to boost your score and reach 800 or higher will help you achieve your financial goals.
What is the FIRE movement all about?

Kat Tretina September 18, 2018 • 3 Minute Read
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If you spend any time reading personal finance blogs, you’ve likely heard of the FIRE movement. FIRE stands for, Financially Independent, Retire Early. It’s a movement that’s gaining momentum and devout followers. But what is it exactly? Learn more now.
Things to Consider When Buying Your First Home

Kat Tretina September 7, 2018 • 3 Minute Read
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Deciding to buy a home is a huge decision, and signals the next chapter of your adult life. You give up the sometimes nomadic existence of an apartment-dweller, put down real roots, and settle down. It can be a big transition. Before buying a home, ask yourself these five questions.
Best Credit Cards for Bad Credit

Kat Tretina August 31, 2018 • 3 Minute Read
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When you have trouble paying the bills each month, it’s easy to fall behind. But missing just a few payments can cause your credit score to go down, a massive problem millions of people face each year.
How to Get an Apartment With Bad Credit

Kat Tretina August 14, 2018 • 3 Minute Read
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Most landlords have strict credit and income requirements. If you fall short of their guidelines, they won’t approve you for a lease. However, there are ways to secure a home. Check out these 6 strategies to get around credit requirements.
Why College Students Should Have a Credit Card

Kat Tretina August 10, 2018 • 3 Minute Read
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When you’re in school, going without a credit card can be risky. If you’re thinking about getting a student credit card, here’s what you need to know about the benefits.
6 Fees That Can Wreck Your Budget

Kat Tretina August 2, 2018 • 4 Minute Read
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“Little” fees, such as overdraft fees or credit card annual fees, might seem insignificant. But over time, they can cause you to lose hundreds of dollars. Check out six of the worst fees and what you can do to avoid them.
5 Productivity Tips for Remote Workers

Kat Tretina July 27, 2018 • 4 Minute Read
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Working remotely sounds like a dream come true: no commute and work from the couch. You don’t even have to wear pants! However, if you’re not careful, being a remote worker can quickly lead to lounging and watching Netflix instead of doing great work.
5 Ways to Skip Long Security Lines at the Airport

Kat Tretina July 20, 2018 • 3 Minute Read
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Although airlines recommend you get to the airport two to three hours ahead of your flight’s departure time, that’s not always realistic. And, no one wants to spend hours killing time in an airport. Instead, find out how you can avoid the lengthy security lines altogether.
How Entrepreneurs Can Get Financing Without Going Into Debt

Kat Tretina July 17, 2018 • 3 Minute Read
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When it comes to starting a company, the most common sources of funding are business loans, credit cards, and personal loans. However, if you’re saddled with any type of debt, adding more debt to the mix can be risky. Thankfully, there are three ways to get financing for your business without borrowing money.
How to Get The Best Deals on Flights

Kat Tretina July 11, 2018 • 3 Minute Read
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If you’re planning a vacation, you know plane tickets can be one of your biggest expenses. In some cases, your airfare could cost even more than your hotel stay. Stretch your budget further by planning ahead and using these five tips.
Christmas in July: How to Prepare Now for the Holiday Season

Kat Tretina July 5, 2018 • 3 Minute Read
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It might be summer now, but the holidays are just around the corner. If the idea of shopping for Christmas gifts stresses you out, you’re not alone. To get your finances in order before the holiday season, follow this five-step plan
6 Apps That Will Help You Save at the Gas Pump

Kat Tretina June 27, 2018 • 3 Minute Read
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With all of the gorgeous weather after a brutal winter, many people are dreaming of trips to the beach or lounging by the pool. However, the cost of gasoline you use to get to your destination can be hard on your wallet. Check out our top favorite apps to save money at the pump.
5 Ways to Pay for Home Improvements

Kat Tretina June 26, 2018 • 4 Minute Read
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Whether you’ve lived in your home for a long time or you just moved in, you might be making plans to start doing some renovations. Maybe you’d like to update the kitchen or finish the basement. As you consider each, think about your financial situation and how you will pay for it.
6 Commonly Overlooked Steps When Dealing with Identity Theft

Kat Tretina June 21, 2018 • 3 Minute Read
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When you find out that someone has stolen your credit card or used your name to take out a loan, you probably know to contact your card company or the lender to dispute the charges. However, just changing your card numbers isn’t enough to protect you.
How to Furnish a New Apartment for $1,000 or Less

Kat Tretina June 13, 2018 • 5 Minute Read
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When I moved into my first apartment, I was working for a non-profit and making very little money. If you’re like me and struggling to furnish your apartment on a budget, find out how you can do so for under $1,000.
10 Ways to Save $5,000 This Year

Kat Tretina May 25, 2018 • 4 Minute Read
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Are you fed up with scraping by month to month? You can save $5,000 in one year with a combination of cutting corners and boosting your income. Learn how to start saving money now.
How Being Overweight Can Cost You

Kat Tretina May 17, 2018 • 3 Minute Read
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Being overweight can affect your life in many ways. It can limit your mobility, affect your self-esteem, and can hurt your health. But, it can also harm you in other ways, especially when it comes to your finances.
Should You Save or Invest?

Kat Tretina May 11, 2018 • 2 Minute Read
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You have heard it all before: “You need an emergency fund,” “You need to save for retirement,” “You have to invest.” But when you have debt and a tight budget, figuring out how to accomplish these goals can be challenging. To come up with a plan that works for you, follow these five steps.
What Happens if You Default on a Personal Loan?

Kat Tretina May 3, 2018 • 3 Minute Read
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When you take out a personal loan, you agree to a set monthly payment. It’s a binding contract that you have to meet, or you risk entering default. That might not sound serious, but it can have significant consequences.
What to Do If You’re Audited

Kat Tretina April 12, 2018 • 3 Minute Read
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Last year, the IRS processed over 134 million tax returns. Of those returns, only one million were selected for an audit. Your chances of being selected are slim, but everyone is at risk of an audit. Audits are time-consuming and stressful, and many people don’t know how to proceed.
A New Employee’s Guide to Retirement Plans

Kat Tretina March 29, 2018 • 3 Minute Read
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When you get your packet on retirement plans, going through all of the information can feel like learning a new language. Keep in mind, the earlier you start contributing, the more you’ll have for retirement. To help give you a boost, read on to learn more about the options that are available to you.
How to Get a Credit Card as a College Freshman

Kat Tretina March 22, 2018 • 3 Minute Read
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A credit card can be an essential safeguard, but getting one as a freshman isn’t easy. Read on to learn more about what you need to get approved for a credit card and your top three options.
How to Use Credit Card Rewards to Finance Your Next Vacation

Kat Tretina March 15, 2018 • 4 Minute Read
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Whether you earn cash back or travel rewards, using your credit card for your everyday spending can make it easy to rack up rewards. If you’re planning a vacation soon, use these 5 steps to help you at least partially cover the cost.
How to Get a Personal Loan With a Credit Score Under 600

Kat Tretina March 12, 2018 • 3 Minute Read
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Whether you have to pay for an unexpected car repair or need to a loan to cover the cost of a home improvement, a personal loan can be a smart financing option. But, with poor credit, it can be more challenging to find a lender willing to work with you. If your credit score is less-than-perfect, check out these 5 tips to help you find a loan.
8 Unusual Credit Card Benefits

Kat Tretina March 8, 2018 • 4 Minute Read
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Credit Cards use a number of benefits to entice users to use their credit cards. However, many credit cards offer little-known benefits and unusual enticements that most people aren't aware of and never use. Check out these 8 unusual credit card benefits you should be taking advantage of right now.
3 Times a Short-Term Loan Can Be a Lifesaver

Kat Tretina February 28, 2018 • 3 Minute Read
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There’s a big difference between a real emergency that justifies a short-term loan and a skippable expense. If you find yourself in any of these situations, a short-term loan may be your best bet.
How to Find Affordable Home Insurance

Kat Tretina February 22, 2018 • 3 Minute Read
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Homeowners’ insurance can be expensive. If you are looking for a home insurance policy, but are put off by the cost, here are some helpful tips to get you the best price for your homeowners insurance.
How to Celebrate Valentine’s Day on a Budget

Kat Tretina February 8, 2018 • 3 Minute Read
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The average person spends $140 on Valentine’s Day, which can feel impossible if you have little money to spend on the holiday. If you are strapped for cash but have a special someone to share the day with, never fear, a great Valentine’s Day date doesn’t need to break the bank.
How to Overcome Holiday Debt With a Balance Transfer

Kat Tretina February 6, 2018 • 4 Minute Read
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It’s hard to say for sure how much your holiday credit card or store card debt will cost you because it depends on how long it takes you to pay it off. To give you an idea of what to expect, we’ll offer a couple of different scenarios:
How to Get a Personal Loan with Bad Credit

Kat Tretina January 29, 2018 • 3 Minute Read
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Whether if you have credit card debt or are facing an emergency and need extra cash, a personal loan can be a useful tool. However, if you have less-than-stellar credit, finding a lender to approve you can be tricky. But, it’s not impossible. Here’s what you need to do to get a personal loan with bad credit.
When Is it Time to Take Out a Business Loan for Your Side Gig?

Kat Tretina January 26, 2018 • 3 Minute Read
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When your side gig takes off, it's not uncommon to hit a wall. You've expanded your small business to its capacity with the supplies, space and inventory you have now. To make it go further, you need more money. Here are three ways to know it’s time to add more capital to your business, and where to go to find it.
How the Republican Tax Plan Will Affect You

Kat Tretina January 24, 2018 • 3 Minute Read
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When Republicans first unveiled their plans for a new tax plan, critics tore it apart. Now that the bill is becoming a reality, it’s important to understand just how it will affect you and your finances.
Should I Invest in Cryptocurrency?

Kat Tretina January 17, 2018 • 3 Minute Read
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But just because an investment is trending doesn’t mean it’s for everyone. To help you decide if it’s right for you, let’s explore what cryptocurrencies are, the three major types and where to invest. We’ll also discuss some of the pitfalls that are unavoidable with these investments.
Using Short Term Loans Responsibly

Kat Tretina January 15, 2018 • 3 Minute Read
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Short term loans have a bad reputation for creating a debt cycle that is difficult to escape. However, if used responsibly, short term loans can help out in an emergency or with an unexpected expense. There are number of options for those seeking short term loan possibilities.
5 Overlooked Tax Benefits for Millennials

Kat Tretina December 21, 2017 • 3 Minute Read
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As a recent graduate, making ends meet can be tough. Between rent, student loan payments, and utilities, there’s not much left over for anything else. The idea of owing the government even more during tax season can be terrifying.
New Year’s Resolution: How to Build a $1,000 Emergency Fund

Kat Tretina December 14, 2017 • 3 Minute Read
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If a sudden car repair or medical bill would send you scrambling, you’re not alone. Nearly half of all Americans could not come up with $400 in an emergency. If that’s you, too, a single unexpected expense could deplete your bank account. To make ends meet, you might have to turn to credit cards or payday loans.
5 Steps to Take Now to Prepare for Tax Season

Kat Tretina December 11, 2017 • 3 Minute Read
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While you’re enjoying the holidays, the last thing you want to do is think about taxes. However, tax season is just around the corner and, if you’re not prepared, you can easily end up overwhelmed and stressed.
How to Choose a Plan on Healthcare.gov in 4 Easy Steps

Kat Tretina December 6, 2017 • 3 Minute Read
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If you’re struggling to pay your bills, an expensive health insurance policy is probably last on your list of priorities. But, you may not be able to afford to go without insurance. Medical debt is one of the leading causes of bankruptcy. A single car accident or medical emergency can wipe out your savings.
7 Companies Hiring Season Help Now

Kat Tretina November 28, 2017 • 3 Minute Read
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The holidays are undoubtedly expensive. However, you can cut down on your expenses by taking on a part-time seasonal job. You can make more money and can often take advantage of employee discounts, which can help stretch your budget further.
Save This Holiday Season With Discounted Gift Cards

Kat Tretina November 17, 2017 • 3 Minute Read
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Last year, Americans planned to spend $929 on holiday gifts. That number doesn’t even touch on decorations, holiday outfits, or travel expenses. To pay for those gifts, many people turn to credit cards. But, thanks to high interest rates, their credit card balance can grow over time and it can take months to pay it off.
What You Need to Know Before Black Friday

Kat Tretina November 14, 2017 • 3 Minute Read
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Black Friday, the Friday after Thanksgiving, is noted as the biggest day for retailers of the year. Millions of people turn out in stores and online to score deals on electronics, clothes, and more. But before you camp out at the nearest department store at 2:00 a.m., it’s important to know that Black Friday isn’t always what it seems.
The Best Business Credit Cards for Your Side Hustle

Kat Tretina November 8, 2017 • 3 Minute Read
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Getting a business credit card can not only help you keep your business and personal expenses separate, but some also offer rewards and other features that are specifically tailored to your business. They can help you save money on expenses so you can take home more profit.
4 Factors to Consider Before Taking Out a Personal Loan

Kat Tretina October 27, 2017 • 4 Minute Read
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I decided to take out a personal loan to wipe out my credit card debt. My new loan had a much lower interest rate, so more of my payments went towards the principal rather than interest. Taking out that loan helped me become debt-free much faster. While a personal loan was a smart choice for me, they’re not for everyone. Here’s what you need to consider before applying for a loan.
Do You Really Need Gap Insurance?

Kat Tretina October 23, 2017 • 4 Minute Read
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If you’ve ever bought a car at a dealership, you may have felt pressured to add gap insurance to your contract. For some people, gap insurance may be a good deal. But for others, it can be a complete waste of money.
5 Ways to Make Money With Your Car

Kat Tretina October 19, 2017 • 3 Minute Read
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If your savings account is low and you need cash quickly, side hustles can be a smart way to make extra money. And, if you own a car, your earning potential can dramatically increase. Having access to a vehicle can help you earn more money in your spare time, so you can pay for unexpected expenses as they come up without using loans or credit cards.
Free and Discounted Mental Health Resources

Kat Tretina October 5, 2017 • 3 Minute Read
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According to the National Institute of Mental Health, over 43 million adults in the United States have a mental illness. That number is approximately 18 percent of the nation’s population. Yet, mental illnesses are rarely talked about.
6 Things to Do If Your Identity Was Stolen

Kat Tretina October 3, 2017 • 3 Minute Read
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Finding out that someone has committed fraud in your name can be one of the most stressful moments of your life. You feel violated and anxious, not knowing what else the person might do in your name.
Five Places Where Rent is Under $750

Kat Tretina September 25, 2017 • 3 Minute Read
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One of the largest expenses you have is housing. Renting an apartment can eat up 30 percent or more of your income, leaving little left over for building an emergency fund or paying off debt. In fact, the median rent nationwide is $1,001.
5 Questions to Ask Before Relocating

Kat Tretina September 20, 2017 • 3 Minute Read
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Moving for a new job — or at the request of your current employer — can either be an exciting or terrifying prospect. For some, getting to know a new city and possibly getting a pay bump along the way are big incentives to say yes. For others, change and uncertainty can leave them feeling anxious.
Why Roth IRAs Are the Perfect Retirement Tool for New Grads

Kat Tretina September 11, 2017 • 3 Minute Read
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When you have student loans, rent and an entry-level salary, saving for retirement is probably the last thing on your mind. However, it’s important for your future. Studies have found again and again that Americans are unprepared for retirement. That means it’s likely that many could be in desperate straits when they are older. Starting to save now, when you’re young and time is on your side, can ensure you’re comfortable throughout your lifetime.
Affected By Equifax’s Data Breach? Here’s What to Do Now

Kat Tretina September 8, 2017 • 3 Minute Read
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On Thursday, credit reporting agency Equifax announced that a cyber security attack on their systems occurred. The company says that the data breach exposed customers’ personal information, including names, addresses, Social Security numbers and even driver’s license numbers. They also got a hold of thousands of credit card numbers.
New Job? Here’s How to Select a Healthcare Plan

Kat Tretina September 6, 2017 • 3 Minute Read
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Starting a new job can be exciting, but it’s also easy to feel stressed out by meeting your new team and completing all of the necessary paperwork. When your employer hands you the information on your health insurance options, you might be tempted to just pick the cheapest plan and move on. But doing so can end up costing you in hefty medical bills later on.
How to Break the Paycheck to Paycheck Cycle

Kat Tretina August 31, 2017 • 4 Minute Read
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A staggering 49 percent of Americans are living paycheck to paycheck, meaning they have no savings. They’re completely reliant on the next payday to manage their expenses; if a paycheck is late, or an unexpected emergency comes up, they have no way to handle it.
5 Lessons You Can Learn From a Bad Entry-Level Job

Kat Tretina August 28, 2017 • 4 Minute Read
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When I graduated from school, I worked for a small, privately-owned business. And it was awful. I was supposed to be a writer, but they insisted I also act as the janitor, cleaning the bathroom and storage areas. The owner literally screamed a lot and relished employees’ tears. It was a terrible experience, and I was miserable. However, I did learn a lot from that short period of employment. Those lessons helped me later in my career.
How to Build a Work Wardrobe (When You’re Broke)

Kat Tretina August 17, 2017 • 4 Minute Read
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When I accepted the offer for my first job, I only had about $100 to create an entire work wardrobe. And when I walked into stores, I quickly found that my $100 wouldn’t buy a single dress. I was frustrated and panicking because my start date was just a few days away. Thankfully, I did some research and talked to friends, and got some smart ideas to find cheap work clothes. I was able to start work with many office-worthy outfits that looked great, without overextending my budget.
How to Get the Best Deal on a New Car

Kat Tretina August 9, 2017 • 4 Minute Read
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If you’re a first-time car buyer, the process can be overwhelming and a little terrifying. The idea of going up against a tough car salesperson can feel like a losing proposition. However, there’s a way that even the shyest people can negotiate and get a great deal. Even better, you’ll be in an out of the dealership in under an hour.
How to Save Money on Textbooks

Kat Tretina July 25, 2017 • 3 Minute Read
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While college tuition is expensive enough, coming up with the cash to pay for textbooks can be difficult. The cost of books has skyrocketed in recent years. Since 1978, the price of textbooks has risen 812 percent. The average undergraduate student will spend approximately $1,300 a year on books. That high cost can add thousands to your college education, or can prohibit you from buying necessary books.
5 Best Cities For New College Graduates

Kat Tretina July 19, 2017 • 3 Minute Read
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Graduating from college is an exciting time. You’re finally done with classes, term papers and exams. From starting a new job to moving out on your own, your life changes drastically after school. However, those changes can be expensive. With expenses like rent and student loan payments, making ends meet can be more challenging than you expected. In the United States, the average rental cost for a one-bedroom apartment is $1,021.
How to Score the Cheapest Flights

Kat Tretina July 14, 2017 • 3 Minute Read
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When planning a vacation, your flight can be the most expensive part. It can be more than your hotel, car rental and food combined. A pricey flight can cut down on the number of things you can do on your trip, or even reduce how long your vacation can be.
5 Surprisingly Affordable Tropical Destinations

Kat Tretina July 10, 2017 • 3 Minute Read
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Traveling the world is the goal of many people. Visiting foreign countries, seeing landmarks, and sampling new cuisines can be an incredible experience. But the price can be prohibitive for many. If you dreamed of traveling the world but have been delaying take the plunge, you might be afraid of the cost. Planning a vacation when you’re on a budget can be difficult. However, there are some beautiful, tropical destinations that are shockingly affordable.
5 Ways to Protect Your Credit When Traveling

Kat Tretina July 5, 2017 • 3 Minute Read
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If you’re planning on traveling this summer, your credit cards are essential. You’ll need one to do everything from checking into a hotel to renting a car. While credit card theft and fraudulent charges are always a risk, it isn’t as big of a deal when you’re home. You can quickly cancel the cards, and your credit card company will send you new ones right away.
3 Ways to Lower Your Credit Card Payment

Kat Tretina June 23, 2017 • 3 Minute Read
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When it comes to credit cards, it’s easy to lose track of your budget and run up a balance. In fact, the average credit card debt per cardholder in the United States is $4,061. If you have a high-interest credit card, your balance can grow over time, increasing your minimum payment and making it difficult stay on track.
How Your Credit Score May Affect Your Job Search

Kat Tretina June 21, 2017 • 3 Minute Read
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If you’re interviewing for a new job, you know the importance of a polished resume, personalized cover letter, professional interview attire, and preparedness. One of the most overlooked factors that can affect your chances of getting a job is your credit.
A New Grad’s Guide to Credit Cards

Kat Tretina June 9, 2017 • 4 Minute Read
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If you’re a fresh graduate right out of college, life can feel overwhelming right now. You just finished four years (or more) of school and now have to face problems like finding a job, moving into your own apartment and paying down student loans. Getting a credit card is probably not a priority right now, but not having a credit card can make life more difficult.
How to Score Credit Card Incentives Without Going Broke

Kat Tretina May 23, 2017 • 2 Minute Read
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When it comes to shopping for a new credit card, there are hundreds of bonus offers and sign-up incentives. Sometimes worth hundreds of dollars, credit card companies tempt thousands of airline miles or cash back rewards to convince you to apply for their card.
What You Should Know Before Doing a Balance Transfer

Kat Tretina May 16, 2017 • 4 Minute Read
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Most Americans have credit card debt, and the average household has a balance of $5,700. With the mean interest rate on credit card debt rising to 13.6% percent, your balance can quickly balloon out of control. You can end up paying hundreds or even thousands in interest fees, making it difficult to ever get out of debt.

Advice & Expertise Blog

Kat Tretina