Angel A. Mae

Angela is a freelance writer who specializes in all areas of personal finance from loans and debt management to saving and investing. Her goal is to help others build and improve their financial habits and regain control over their money to achieve financial stability.

How to Get Out of Credit Card Debt Without Paying It All (Or Ruining Your Credit)

Debt Relief / By /

Credit card debt is one of the most common types of consumer debt out there. The average American household owed $8,701 in credit card debt in 2021. For many people, especially those with multiple high-interest credit cards, paying off this debt is a struggle. Fortunately, if you’re looking for ways to get out of credit […]

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Need a Credit Card But Got Bad Credit? Here are the 12 Best Options

Credit, Credit Cards / By /

Although most credit cards require good credit, getting one is possible even if you have poor credit. That’s good news for anyone who’s either looking to build credit or needs a credit card for emergencies. With that in mind, here are the best secured and unsecured credit cards for bad credit. 12 Top Credit Cards

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Borrowing Money From a Friend or Family Member? Write a Contract

Advice, Loans / By /

Borrowing money from a close friend or family member has its advantages, but it comes with some downsides, too. If the borrower takes too long to repay what they owe, or if they never repay at all, it could put a serious strain on the relationship. It could also cause the original “lender” financial stress

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Best Credit Repair Software: Here are 10 Top Options

Credit Repair / By /

In 2021, the credit repair industry in the United States was worth $3.4 billion. Around one-third of all American consumers have found at least one error on their credit report. The errors can range from simple misspellings to incorrectly reported bankruptcies. Some errors can bring your entire credit score down, thus making it difficult to

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11 Best Credit Repair Companies to Fix Your Credit Score

Credit, Credit Repair / By /

According to Experian, one of the three major credit bureaus, 34% of Americans have either fair or very poor credit scores. Those with a low FICO score (300 to 669) often have difficulty qualifying for loans, apartment rentals and even certain jobs. Fortunately, there are quite a few legitimate credit repair companies to help. Here

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Seaside Consultants Group Ratings and Reviews: Check It Before You Exit Your Timeshare

Timeshares / By /

For many people, the financial burden of owning a timeshare far outweighs the benefits. Timeshares routinely decrease in value even as their maintenance fees increase. A lot of timeshare owners don’t end up using their timeshare as intended, so they’re stuck paying annual fees without getting anything in return. Plus, a timeshare contract is a

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Here are the 16 Best Private Student Loans Right Now + a Bonus

Student Loans / By /

As of this year, the average student loan debt is $37,113. This number comes from a combination of federal and private student loans. This puts the total student loan debt nationwide at just over $1.75 trillion. However, college is a vital part of any young adult’s journey since an increasing number of positions require a

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