Author: B.A. Kirschner

How to Get Medical Bills Removed from Your Credit Report

How to Get Medical Bills Removed from Your Credit Report

Out of the many impacts that come with unpaid medical bills, damage to your credit score is one of the most consequential. Technically, a medical bill can not be included in your credit report, but once your account remains unresolved after 180 days, the owner of the debt–typically, a hospital or a doctor’s office–can sell the outstanding amount to a debt collector. At that point, the debt collector can (and probably will) report your  debt as delinquent to all three credit agencies, thereby harming your credit score.

How to Write a Credit Dispute Letter

How to Write a Credit Dispute Letter

If you’ve noticed something awry in your credit report, there’s a lot you can do to take action and fix the problem. A well-composed credit dispute, first and foremost, should help you get back on your feet in no time.

20 Actually Funny Jokes About Money

20 Actually Funny Jokes About Money

Money isn’t always a laughing matter, but there are so many jokes out there that can give anyone reason to chuckle about their finances. Here, we’ve put together a list of the funniest jokes about money so that you can have fun while saving up.

Yes, You Can Negotiate Your Credit Card APR—Here’s How

Yes, You Can Negotiate Your Credit Card APR—Here’s How

If you’re in the process of paying off a credit card debt but feel like your interest rate is too high, you have the option of negotiating your Annual Percentage Rate (APR) with your credit issuer. When you feel ready to talk to your credit card company, dial the customer service number on the back of your credit card, then choose the options that will route you to speak with a representative. When the representative picks up, here are some tips that can help you negotiate.

Why you should build your savings BEFORE paying off debt

Why you should build your savings BEFORE paying off debt

When people find themselves in a lot of credit card debt, they tend to think it’s best to financially prioritize those debts and pay them off as quickly as possible. Credit card customers will put all of their extra income toward their balances in the hopes that, with enough hard work, they can climb out of their financial hole in the next few months.

How to Budget When You’re Living Paycheck-to-Paycheck

How to Budget When You’re Living Paycheck-to-Paycheck

Whether you’re supporting a family while working a full-time job or simply spending a bit too much on nights out, waiting for the next paycheck to roll around just to pay the bills is never a great position to be in. And while it might feel like a burden, living paycheck-to-paycheck doesn’t have to mean much in regard to your overall financial outlook.

How to Apply for a Credit Card With No Social Security Number

How to Apply for a Credit Card With No Social Security Number

If you don’t have citizenship, permanent residence, or a worker’s visa in the US, then you’ve probably found yourself in a difficult position when asked to present a Social Security number. Not having a Social Security number can be a major obstacle when applying for jobs, loans and credit cards, but that doesn’t mean it has to be a dealbreaker for your finances.

Why Do I Owe Taxes?: Options for Payment and How to Avoid This Next Year

Why Do I Owe Taxes?: Options for Payment and How to Avoid This Next Year

So if you didn’t pay the IRS enough money over the course of 2018 — either because you underestimated your income or you failed to pay altogether — there’s a good chance you owe taxes and late fees.

A Freelancer’s Guide to Taxes

A Freelancer’s Guide to Taxes

When it comes to taxes, freelancers have to fend for themselves–with no W-2 to tell you how much you made in a given year and no employer to automatically deduct from your income, you have to pay very careful attention to how much you owe the IRS and when to pay it. Here are our best tips for freelancers.

Paying Off Debt: Avalanche Vs. Snowball Method

Paying Off Debt: Avalanche Vs. Snowball Method

There’s so much advice out there about figuring out how to pay off your debts, but two specific methods are endorsed by financial experts: the debt snowball and the debt avalanche. Which debt you focus on, though, depends on whether you’d prefer to gain a sense of satisfaction in the immediate future (the debt snowball) or save money over the long-term (the debt avalanche). Here’s our explanation of both payment methods.