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Archive for the ‘Financial Advice’ Category

What is the Difference Between a Personal Loan & Home Equity Loan?

Are you considering taking out a home equity loan? Or a personal loan? Learn more about these and how they’re different. Secured vs. Unsecured Loans Secured loans are tied to an asset. Loans like these include auto loans and mortgage loans. A home equity loan is like this. Instead of a standard mortgage, a home […]

How Much is Too Much Debt?

While there’s no magic number as to how much is too much debt, there are many signs that can point out when you’ve crossed a line. Telltale Signs of Too Much Debt If you relate to these signs, you’ve probably got too much debt. Read on to see where you stand. Minimum Payment Only How […]

Smart Ways to Save Money Fast

If you’re looking for creative ways to save money fast, we’ve got you covered. From coupons to budgets to boundaries, these tips will help you create a new vision for your relationship with money. Use a Bank Without Fees Does your bank charge you a monthly account maintenance fee or require minimum balances to avoid […]

When to Use Debit Vs. Credit Card

There has been much discussion over whether to use a debit card or credit card, and which situations are best for each type of card. Because many bank cards these days can be processed as either debit or credit transactions, we will focus on the contrast between debit and credit, generally speaking. Know Your Bank […]

Debt Management: Avoiding the Payday Loan Scam

If you’ve found yourself in a pinch, you may have considered a payday loan. If you’ve never gotten one, stay far away from payday lenders! Payday Loan Statistics The Consumer Financial Protection Bureau reports that more than 80% of payday loans get rolled over into or followed up with a new loan within two weeks […]

The Truth of Gas Station Credit Cards

With gas prices at about $2.35/gallon on average as of October 2018, it makes sense that consumers would be looking for ways to trim up the budget or even cut the occasional corner. Credit cards that offer cash back are becoming increasingly popular with consumers who are searching for easy ways to save a couple […]

Shared Ownership of Things

Note: CreditGUARD does not promote the indiscriminate sharing of your possessions. If you choose to be neighborly and lend things out, make sure that there’s accountability. You should never lend out valuable equipment to someone you don’t trust or don’t know well. Always be responsible and discerning. CreditGUARD is not responsible for any unreturned property. […]

9 Tips For Generating Extra Income: How A Side Job Can Help You Become Debt Free Faster

  Whether you’re a people person, an animal lover or an introvert, there are plenty of side jobs you can do to generate extra income while you’re working toward becoming debt-free. Pet sitting Pet sitting and dog walking are great ways to make some extra money. If you work flexible hours or work from home, […]

Avoiding The Trap Of Pyramid Schemes

  Good investments are a healthy part of going beyond financial freedom toward becoming self sustaining. Bad investments come in many shapes and sizes, but none worse than pyramid schemes. Sometimes, an opportunity comes along that sounds too good to be true. If you’ve been saving for a while, it could be tempting to put […]

8 Ways To Have Fun When You Go Broke

  Having a good time doesn’t require that you have a pocket full of money. There are plenty of ways to enjoy yourself for free or for just a few bucks. Visit state and national parks The great outdoors. Going for a long walk in nature or attending a class at a state or national […]