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    Tag: debt

    Credit Scores: What Are the Factors That Can Hurt It?

    Image Credit: @rupixen via Unsplash We all should aspire for a good credit score. As discussed previously, you want it at 720 and above and…

    Guest Contributor April 7, 2020
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    When Should I Consolidate Loans

    Debt is the bane of many people’s existence. According to a study done by Nitro College, the vast majority of Americans have debt, approximately 80%…

    Dr. Maria James April 25, 2019
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    POM019: Breaking up with $80k of Debt & Becoming an Entrepreneur with Melanie Lockert

    Getting rid of student loans is a journey so many of us take and many of us are still on this journey. In this episode,…

    Dr. Maria James July 20, 2017
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    POM014: Should I Save or Pay Down Debt?

    Should I save money or pay down debt? It’s a question I see quite often. It’s not a simple yes or no answer, unfortunately. It…

    Dr. Maria James May 1, 2017
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    7 Tips to Pay Off Your Mountain of Student Loan Debt

    You have a mountain of student loan debt and are frustrated. Maybe a bit overwhelmed? Trying to determine how in the world to pay it…

    Dr. Maria James February 24, 2016
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    Top Personal Finance Myths Debunked

    As The Money Scientist, of course people talk personal and business finance with me all the time. I get to hear people brag about great…

    Dr. Maria James January 18, 2016
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    Top Money Tips for Your Age Part 1: Money in Your 20s

    I often see and hear people ask questions such as, “what should I be doing with money?” There are good actions to take with your…

    Dr. Maria James September 24, 2014
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    Life Lessons No One Told You About Money

    Life lessons about money normally come about through trial and error (and make for interesting stories). You learn different life lessons about money in this…

    Dr. Maria James June 19, 2014
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    Is Dave Ramsey Unrealistic?

    Dave Ramsey is known for stating that you shouldn’t borrow money, at all. If you can’t make the purchase with the income or cash you…

    Dr. Maria James April 17, 2014
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    Avoiding More Debt During the Holidays

    Over 80% of Americans have debt: mortgages, car loans, credit card loans etc. You likely fall in that number and you likely want to pay…

    Dr. Maria James October 31, 2013
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    • 15 Powerful Actions to Transform Your Financial Future This April
      April marks Financial Literacy Month, and a perfect time to take control of your financial future. While many people make New Year’s resolutions that fade by February, spring offers a natural opportunity to reassess and recalibrate your money strategies. Whether you’re a seasoned professional or just starting your financial journey, these 15 actionable steps will…
    • 5 Steps to Save Money Fast on a Low Income
      Saving money fast on a low income is a challenging yet achievable goal. By implementing strategic financial practices, you can take control of your finances and build a more secure future.  I saved $10,000 while earning $23,000. I’m going to walk you through the five steps that will allow you to do it too. We’re…
    • Which Health Plan Should I Pick for Next Year and Should I Use an HSA or FSA?
      It’s time to make a decision about your health insurance plan. Open enrollment is coming up and you have to decide if you’re going to stick with your current plan or pick a new one. There are a lot of things to take into consideration.  Choosing a health insurance plan can feel overwhelming. Premiums, deductibles,…
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