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Category: Managing Credit

At some point, maybe a bit down the road, you are going to get paid for having money. But it is likely that right now, you are on the other end: you are paying someone else for access to their money.

When you borrow, the cost of using someone else’s money will be dramatically more if you have bad credit. So, before we start talking about how to get paid for the money you have, we need to discuss how to minimize the cost of the money you buy.

See all of our credit tips here.

What it Means to have an Upside-Down Car Loan and How to Get out of It
January 5, 2021January 5, 2021 jayrigler Managing Credit

What it Means to Have an Upside-Down Car Loan and How to Get Out of It

Having an upside-down car loan can be a nightmare. Learn what it means to be upside-down on your car and what you can do about it.

How I Got An 830 FICO Credit Score and You Can Too
December 24, 2020December 29, 2020 jayrigler Managing Credit

How I Got An 830 FICO Credit Score and You Can Too

A high FICO Credit Score can reduce the cost of borrowing money. Learn how to responsibly increase your credit score without taking on unnecessary debt.

Debt Snowball vs Debt Avalanche: What's the Best Way to Eliminate Debt?
December 15, 2020December 15, 2020 jayrigler Managing Credit

Debt Snowball vs Debt Avalanche: What’s the Best Way to Eliminate Debt?

Learn the benefits and limitations of the popular debt elimination strategies: Debt Snowball and Debt Avalanche. Plus, how to decide which is right for you.

How to Decide Which Debt to Pay Off First
December 1, 2020December 8, 2020 jayrigler Managing Credit

How to Decide Which Debt to Pay Off First

Learn which debts to pay off first and which to make minimum payments on by using a combination of the Debt Snowball and Debt Avalanche methods.

Why You Should Never Cosign a Loan and What to do Instead
November 25, 2020November 27, 2020 jayrigler Managing Credit

Why You Should Never Cosign a Loan and What to Do Instead

When someone asks you to cosign on a loan the answer should always be no. Learn what you can do instead when someone asks for help.

What Happens to Your Debt When You Die
November 4, 2020November 27, 2020 jayrigler Managing Credit

What Happens to Your Debt When You Die

Happily, debt is generally not inherited. Your assets are used to pay debts until the assets are gone. But, there are exceptions.

Learn How to Avoid the Stressful and Risky 'Fake Rich' Lifestyle
October 14, 2020November 27, 2020 jayrigler Managing Credit

Learn How to Avoid the Stressful and Risky ‘Fake Rich’ Lifestyle

Fake Rich is the condition of appearing wealthy while drowning in debt. Being Fake Rich is a dangerous choice, learn how to avoid it.

Why Student Loans are More Dangerous Than Other Types of Debt
September 23, 2020November 27, 2020 jayrigler Managing Credit

Why Student Loans are More Dangerous Than Other Types of Debt

Learn the three unique characteristics of student loans that make them more dangerous than almost all other kinds of debt.

Learn How to Eliminate Car Payments Forever
September 2, 2020November 27, 2020 jayrigler Managing Credit

Learn How to Eliminate Car Payments Forever

Find out how to turn your current car loan into the last car loan you will ever have. It's time to make a plan to eliminate car payments forever.

How to Decide if a Balance Transfer or Debt Consolidation Makes Sense
August 12, 2020November 27, 2020 jayrigler Managing Credit

How to Decide if a Balance Transfer or Debt Consolidation Makes Sense

Low-interest balance transfers and debt consolidation can be tempting. Learn how to determine if a balance transfer or debt consolidation is right for you.

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Welcome to Practically Independent

Jay Rigler, Money Coach

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About the Author

My name is Jay Rigler, and I am a Money Coach, financial literacy advocate, economist, and author with 20 years of experience. I have been a personal financial advisor, worked at a Credit Card, and been responsible for analytics at a top-tier advertising agency where I was tasked with determining how much advertising is able to change consumers’ behavior. Now, I spend my time advocating for financial literacy and writing for PracticallyIndependent.com.

 

Learn more on my Author Page.

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