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9 Things Stress Can Prevent You From Accomplishing

Stress

Every time I travel to Europe (especially outside of the big cities) I notice that the stress level tends to be much lower than what we have here in the US.

Yes, big city folks tend to always be on edge (think of the typical New Yorker), but I’ve found folks from New Hampshire to Michigan and from Florida to Missouri to posses as much stress, albeit at a different level, than the typical city dweller.
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Debt Traps College Students Fall Into

College Equation

I could spend all day talking about the financial issues facing college students these days.  However, for today’s post I will take a look at common debt traps that college students fall into:

Saving On Prescription Drug Medication

Prescription Drug Medication

The cost of prescription medications is alarmingly high, as is the number of Americans who aren’t treating their condition because they can’t afford the medicine.

Whether you’re under-insured or uninsured, there are ways you can save money on prescription medication.  You can even get the medicine for free, if you meet certain guidelines.

Here are five ways you can save on prescription medication:

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You Shouldn’t Buy This If…

Living on the budget is not all about just counting pennies. To save money, you need do your homework and to know how to do research on each of your planned big purchases.  Here’s a quick but useful guide on how to investigate if both the seller and the item should be considered.

Here are some ways to check the seller’s reputation and past records as well as product reviews.

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Ways To Help Deal With Medical Expenses

Medical Expenses

Medical expenses are one of the leading causes of bankruptcy proceedings in the US.  In 2007, 57 million people were in families who had problems paying their medical bills according to this article by Peter J. Cunningham.  However, there are ways to cope with the rising costs of medical care.  I was born with Spina bifida in 1979, and I’ve had a lot of experience in the medical care “system”.  I have a few tips to share with you, and by following them some of your burden will be lifted.
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A Goal Based Approach To Debt Management

money-up-close

Good debt management advice is hard to come by.

Traditional financial wisdom states that certain debts, such as mortgage and student loans are good debts, while most other debts such as credit card debt, car loans, etc… are bad debts.

On the other hand, many Personal Finance bloggers express the opinion that ALL debt is essentially bad, to be paid down as quickly as possible, sometimes even at the cost of establishing a sustainable savings plan for the household.

So what is the truth?

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Credit Scores Matter More Than You Think

credit-or-cash

Credit scores are important when you want to borrow money or get a new credit card. They’re important when you want to rent an apartment or a house, since the landlord will usually run a credit and background check on you before they’ll hand over the keys.  If you thought all those people checking their free FICO credit score were wasting their time, you might be surprised to hear that it affects more than loans.

If you thought the importance of your credit stopped there, unfortunately, you’re wrong.  There are several places where your credit score and your credit history can have an affect, even though it has nothing to do with you borrowing money.

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