Financial literacy is an essential part of modern living. Money impacts almost every decision we make, from furthering our education to establishing professions and managing everyday costs. Despite its relevance, many people have a poor comprehension of financial concepts.
Smartphones have come a long way since they were just mobile phones. They have evolved so much that they now replace many of the physical items we used to depend on. This has significantly changed our view of the conventional wallet.
Sometimes, our grand financial plans don’t turn out as expected. This is a common reality for many people. You might have experienced this yourself—perhaps you had a solid plan to pay off debt, but an unexpected job loss or expense threw everything off track.
However, when looking at a new credit product or loan, it is important to take note of some key phrases. It might seem like the interest rate, APR, minimum payments and loan length will be the ones to watch out for, but there is another one that surprises you; “Iowa.”
Want a refund for a credit card buy? It’s probably reasonable given the rate of cancellations lately. You will have your money in no time, whether it’s just a small refund for a concert ticket or much larger amount for a cancelled trip.
Considering that it can result in severe and lasting effects on your financial and mental well-being, bankruptcy filing should be the last resort. Despite these consequences however, there has been increased prevalence of bankruptcy in the U.S.
Today, credit card debt is one of the main financial concerns for many Americans. It’s the situation whereby if accumulated could be very hard to regulate. Credit card debt may look impossible especially for people who have many cards (three on average) and owe an average of $4,427 per card.
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