Michael Cooper

Michael is a personal finance writer with a specialty in money management and investing. When he's not writing, you can find him exploring the trails of New England with his adopted Saint Bernards.

60+ Apps to Download Now for Free Food and Discounts

Sometimes free food is only an app download away. Practically all of your favorite restaurants have apps now that offer free food just for downloading their app and signing up for a loyalty program. Plus they will also give you exclusive rewards, allow you to accrue points with purchases and send you birthday treats. Here …

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Want Cash Back? Here are the Best Rebate Sites and Apps to Maximize Earnings

If everyone’s favorite word is “free,” cashback is a close second. Dozens of sites and apps offer cashback rewards today just for shopping at your favorite stores. Here are the best options. Best Cashback Websites The following websites are some of the most well-known cashback sites that offer great deals across thousands of stores. Best …

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Why Did My Credit Score Drop? Here are 11 Possible Reasons

Seeing your credit score suddenly drop for an unknown reason can certainly give you a scare. There are a number of reasons why your score may have dropped, ranging from small mistakes like a single missed payment to much more serious situations if a stranger has gotten a hold of your financial information. If your …

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Debt Forgiveness for Seniors: Get the Help You Need

As the price of everything from groceries to health care rises, seniors are living with more debt than ever before. Despite this troubling issue, older adults don’t have many options for debt forgiveness. But they generally have a few more options for debt relief than younger Americans. If you’re a senior who needs debt assistance, …

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Got a Charge Off on Your Credit Report? What It Means and How to Remove It

For borrowers struggling with debt and poor credit, you might check your credit report and note that an account has been “charged off.” But what does that mean? Should you still pay it, and what are your options to try to protect your credit score? While the simplest way to get it removed is to …

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Can Payday Loan Be Consolidated? How To Do It

From payday loans to credit card debt, most Americans owe money in one form or another. In 2020, U.S. consumer debt hit $14.88 trillion, according to an Experian consumer debt study. Juggling multiple high-interest payments can leave many borrowers struggling to stay afloat. And payday loans are dangerous, often leaving borrowers trapped in a cycle of debt. Wouldn’t it …

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How to Get Out Of a Title Loan Without Losing Your Car

Title loans are dangerous, predatory loans that can result in borrowers defaulting on the debt and losing their vehicle. If you’ve found yourself the victim of one of these lenders, consider the steps listed below to get back to financial stability as soon as possible. The Dangers of Car Title Loans A car title loan …

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12 of the Best Ways to Eliminate Credit Card Debt + Become Debt Free for Good

Credit card debt can be debilitating for borrowers. What can start as a few purchases here and there can quickly become a mountain of debt that seems hopeless to pay off. Luckily, thousands have been in your position before and have successfully gotten rid of their debt, which means you can too. Continue reading to …

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