For many people, the ability to invest is a pie in the sky dream that will never be achieved, due to the fact that they may not believe they have “enough” money to invest. This book promises to allay those fears and help readers get a better view on personal finance, and working with what [...]

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• WSJ Complete Personal Finance Guidebook By Jeff Opdyke When it comes to a trusted source for financial news and information, it’s hard to beat the Wall Street Journal. They have introduced a line of guidebooks on many financial topics, but for this review we’ll be taking a look at their Personal Finance guidebook. While it may be a......
• The Single Best Investment By Lowell Miller If you have ever wanted to get into investing, but you weren’t sure where to start, there are thousands of books out there that will get you started. But they are not all created equal. From sky high hope crushers to real world advice, you’ll have plenty of topics to......
• Organize Your Personal Finances in No Time by Debbie Stanley If nothing else, the state of the economy has shown that millions of people don’t have a good grasp of how to manage their personal finances. There are hundreds of books written every year on the subject and yet, this concept still seems to elude many. Some books are either......
• Investing Safely You want for your money to work for you and to grow, right? But taking risks makes you feel uneasy? So is there a way for you to invest more safely? Of course there is! There is a rule that is associated with investing that is ancient, and yet remains......
• Finding The Right Financial Balance If you are ready to get serious about managing your finances, it is vital to find that perfect financial balance that will help you reach your goals in less time. In many cases, simply finding that balance can make all the difference in how you view money and how well......

Continue reading → Review: The Motley Fool’s You Have More Than You Think By David and Tom Gardener

This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where not many do – into [...]

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• What You May Not Know About Personal Finance Unless you’ve taken some courses on handling finances, there is a chance that you may not be aware of a few of the key points about budgeting, managing your money and planning for the future. While a lot rests on common sense, there are a few techniques that everyone can......
• Managing Your Finances and Your Future One of the hardest things for many of us to do is to manage our finances properly. It can be hard if you’ve had no training and you’re used to just spending freely, whenever you want. There are thousands of people out there that can’t balance their checkbooks let alone......
• How to Protect Your Pension in the Credit Crunch As news of bank failures continues, and government officials are debating a $700 billion bailout plan, many consumers are starting to worry about the state of their pension plan. If you have it invested in the wrong stocks, you could end up losing it all, or at the very least,......
• Easy Personal Finance Tips When you’re trying to save for the future and still manage to eat, it can be tough to find that right balance. We all need to plan ahead and having a savings account really is essential. This can be a cushion or that “rainy day” money that you need, and......
• Start Treating Your Finances Like a Bank If you want to start making money, you’ve got to stop looking at your finances like a regular person and start treating your checkbook like you work for the bank. This is the key towards successful management of your finances and will help you grow your current income and create......

Continue reading → Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich

On the surface, this book seemed like the ideal read. It has a strong premise of how to create multiple streams of income using debt leverage. That is a great premise and one that we follow and put into practice every day. It was such a disappointment that this book failed to deliver on such [...]

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• Freeing Up Breathing Room in a Tight Budget If your budget is so tight that you feel like you cannot find room to breathe, then you are probably in need of some way of freeing up your cash so that you can relieve some stress. While you may not necessarily be in a position to be able to......
• Stashing Your Cash If you want to access your money quickly, where do you put it? Where do you hide your emergency fund, in a cookie jar, a safe or in the bank? Knowing where to stash your cash is vitally important, and so here are some of the options that are available......
• Review: The Teen's Guide to Personal Finance: Basic concepts in personal finance that every teen should know. Time is a resource that many teenagers don't realize is their greatest resource for finacial independence. "The Teen's Guide to Personal Finance" is a tome that will provide teenagers with important financial lessons, in a manner which will pull their interest and convey itself effectively in its intended task. The......
• Money for Life By Steven B. Smith This is a unique book that many readers will find very worthwhile. Unlike many financial books, it uses a third person fictional narrative to get the point across in the first portion of the book. You’ll be reading about a fictional couple as they attempt to (mis)manage their finances and......
• How To Hedge Your Bets: 10 Ways To Diversify Your Income Jonathan Leane is today's guest blogger here at Rich Credit Debt Loan. Jonathan writes for Debt Loans. Why Diversify Your Income? Most people are familiar with the idea of diversification—it is common knowledge to not “put all your eggs in one basket”. However, this advice is most commonly applied to......

Continue reading → Untapped Riches: Never Pay Off Your Mortgage–and Other Surprising Secrets for Building Wealth by Susan Cutaia, Anthony Cutaia and Robert Slater

Whether you are just starting out as a family, or the kids are already in school, there is a lot to be learned about managing the finances of a family. There are so many troublespots that families face, and few places to go for advice. We were very excited to come across a book [...]

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• WSJ Complete Personal Finance Guidebook By Jeff Opdyke When it comes to a trusted source for financial news and information, it’s hard to beat the Wall Street Journal. They have introduced a line of guidebooks on many financial topics, but for this review we’ll be taking a look at their Personal Finance guidebook. While it may be a......
• Review: Nine Steps to Financial Freedom By Suze Orman When it comes to personal finance, there are few experts out there that are as popular as Suze Orman. She has helped thousands of people get their finances under control through her efforts on her radio show and through her books. Her no-nonsense, common sense approach appeals to many and......
• A New Way to Consider Personal Finance Through the past few years, many of us have been conditioned to believe that being in debt is a bad thing. While it certainly may be true that debt is dangerous in the wrong hands, there are actually many ways that debt can be very effective and can actually help......
• Book Review: You Don't Have to Be Rich By Jean Chatzky Can a book about lowering your financial expectations be any good? We were intrigued by the premise of this book and decided to give it a try. It was a bit surprising in some places, and a little disappointing in others, but overall it was a very interesting read that......
• Why Certificates of Deposit Are A Good Idea Today's article is written by guest blogger Jim of Bargaineering. If you've saved up a few dollars and aren't sure if you should put them in the stock market or stick them in your mattress, let me give you another suggestion: put your funds into a certificate of deposit (CD).......

Continue reading → The Family CFO By Mary Allvine and Christine Larson

Although the premise of balancing a checkbook sounds easy enough, the fact is that the vast majority of Americans really don’t take the time to do it, or they do not know how to do it properly. There is a lot more than simple addition and subtraction when it comes to balancing a checkbook and [...]

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• Creating a Household Budget With economic times being what they are, even people who have been more casual about their spending are now creating a household budget. A budget should not be seen as a restriction, telling you what you can't spend, but rather as an empowering tool, letting you know what you can......
• Personal Finance Credit Crunch Budgets are unfortunately quite the necessary evil when it comes to managing your own personal credit crunch. Everyone is going through a credit crunch, even those who have relatively healthy credit. The only practical way to keep yourself financially stable in this volatile market is to get a grip on......
• The Dos and Donts of Credit Scores Pt 1 A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history,......
• The Dangers of Financial Illiteracy Financial illiteracy is a growing problem throughout the world, and as the recent housing crisis has brought to light, it can have dangerous consequences. There are a few basic financial tips that everyone can use to increase their financial literacy the easy way, and many of these tips can help......
• The Dangers of Long Term and Interest Only Loans There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there......

Continue reading → Checkbooks 101

If you have ever wanted to get into investing, but you weren’t sure where to start, there are thousands of books out there that will get you started. But they are not all created equal. From sky high hope crushers to real world advice, you’ll have plenty of topics to go over. The Single Best [...]

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• Review of Last Chance Millionaire Douglas Andrew’s book targets the baby boomer generation and tries to convince them that it is not too late to become a millionaire and avoid living on soup kitchen handouts to survive retirement. That’s a pretty tall order and a lot of authors have failed at this exact same premise.......
• How to use Debt to Improve Your Credit Many of us have the wrong idea when it comes to debt. After years of being told that it is a bad thing and should be avoided, most of us never want to get into the problem of having to deal with debt. Millions more are in over their heads......
• Review - The 4 Hour Work Week by Timothy Ferriss I had some pretty high expectations going into this book. It rocketed to the top of the best seller list within days of its release and all the buzz surrounding it prepared me for a read that was going to change my life and make me rethink everything. Unfortunately,......
• Review: The Motley Fool’s You Have More Than You Think By David and Tom Gardener For many people, the ability to invest is a pie in the sky dream that will never be achieved, due to the fact that they may not believe they have “enough” money to invest. This book promises to allay those fears and help readers get a better view on personal......
• Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......

Continue reading → The Single Best Investment By Lowell Miller

Credit card debt is a global problem that has led many to the poorhouse. However, with smart management, credit card debt can actually be a good thing. Let’s look at how to have smart credit card debt that will help your finances instead of hurt it. The premise may be a little odd to some [...]

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• What is your Credit Card Costing You? Most people do not put enough thought into how much their credit cards are really costing them. Sure, you may think that you are aware of all of the costs associated with credit, but there are also a number of fees and charges that can go completely unnoticed among consumers......
• The Truth about Credit Cards and Debt pt 2 This is part two to a series on credit cards and where our country is heading when it comes to credit card debt. In the previous post in this series we talked about some of the statistics in the credit industry and how to interpret them to get an idea......
• Using Credit Cards to Make More Money When it comes to credit cards, most of us think of them as a way to get things we really want right now. We may not actually "need" these things, but we sure do want them. Whether it's a new couch, a new stereo or even a new wardrobe, we......
• TransUnion Reveals National Credit Card Debt on the Rise TransUnion.com, one of the three major credit bureaus, released the results of an analysis study of the trends in credit card lending specifically for the third quarter of 2008, revealing that credit card debt is on the rise. The report is one part of an ongoing series of quarterly consumer......
• What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it......

Continue reading → Smart Credit Card Debt

Ben Stein is a well known personality that many consider to be a genius. His book, How to Ruin Your Financial Life is incredibly concise, coming in at under 130 pages, and most of it reads, as the title would suggest, as a guide to how to end up in debt over your head. It’s [...]

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• Review: The Teen's Guide to Personal Finance: Basic concepts in personal finance that every teen should know. Time is a resource that many teenagers don't realize is their greatest resource for finacial independence. "The Teen's Guide to Personal Finance" is a tome that will provide teenagers with important financial lessons, in a manner which will pull their interest and convey itself effectively in its intended task. The......
• Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......
• Review - The 4 Hour Work Week by Timothy Ferriss I had some pretty high expectations going into this book. It rocketed to the top of the best seller list within days of its release and all the buzz surrounding it prepared me for a read that was going to change my life and make me rethink everything. Unfortunately,......
• Money for Life By Steven B. Smith This is a unique book that many readers will find very worthwhile. Unlike many financial books, it uses a third person fictional narrative to get the point across in the first portion of the book. You’ll be reading about a fictional couple as they attempt to (mis)manage their finances and......
• Book Review: You Don't Have to Be Rich By Jean Chatzky Can a book about lowering your financial expectations be any good? We were intrigued by the premise of this book and decided to give it a try. It was a bit surprising in some places, and a little disappointing in others, but overall it was a very interesting read that......

Continue reading → How to Ruin Your Financial Life By Ben Stein

This was an absolutely fascinating read and its one of the few books that we truly recommend, especially to those with families. The main premise of the book is that our current system of having to have two incomes to make ends meet is what is driving individual family economic meltdowns. How can more money [...]

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• A New Way to Consider Personal Finance Through the past few years, many of us have been conditioned to believe that being in debt is a bad thing. While it certainly may be true that debt is dangerous in the wrong hands, there are actually many ways that debt can be very effective and can actually help......
• Money for Life By Steven B. Smith This is a unique book that many readers will find very worthwhile. Unlike many financial books, it uses a third person fictional narrative to get the point across in the first portion of the book. You’ll be reading about a fictional couple as they attempt to (mis)manage their finances and......
• Budgeting While in School When you are a college student, you may think that planning out a budget is simply a waste of time, because why does a college student need a budget? No matter how young or old you are, having your own budget is vitally important, and this actually happens to be......
• How to Stay Focused With Multiple Streams of Income One of the main problems facing those that have multiple streams of income is managing them. You can start to feel a bit like a juggler and chances are, you may be neglecting areas that could be performing better and making more money. Focusing can be tough, but there are......
• Review of the Richest Man in Babylon This is probably one of the most commonly used books by those who are looking to create wealth. It first came onto the scene in 1926, and shot to fame during the Great Depression as the desperate populace looked for a way out of poverty. While this book does raise......

Continue reading → The Two Income Trap By Elizabeth Warren and Amelia Warren Tyagi

One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them.
1. Help save for retirement.
The average [...]

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• How To Hedge Your Bets: 10 Ways To Diversify Your Income Jonathan Leane is today's guest blogger here at Rich Credit Debt Loan. Jonathan writes for Debt Loans. Why Diversify Your Income? Most people are familiar with the idea of diversification—it is common knowledge to not “put all your eggs in one basket”. However, this advice is most commonly applied to......
• Understanding Passive Income Streams Experts agree, one of the best ways to secure your financial future is by adding as many passive income streams as possible. However, there is a lot of confusion over what is meant by passive income streams, as well as how to go about it. Let's take a look at......
• How to Stay Focused With Multiple Streams of Income One of the main problems facing those that have multiple streams of income is managing them. You can start to feel a bit like a juggler and chances are, you may be neglecting areas that could be performing better and making more money. Focusing can be tough, but there are......
• Review of Stop Sitting On Your Assets Marian Snow’s book had a lot of promise. First, it discusses equity harvesting and how to get the maximum amount of equity out of your home without being taxed on it. Second, it discusses how to use that money to make more money. Sounds great on the surface, but this......
• How to Create Multiple Streams of Income The Easy Way Every single one of us would be thrilled to have more money coming into our homes every month. If you’re relying on one or two paychecks as the primary earnings for your income, you can relate that it’s pretty tough to get ahead. Everyday expenses chip away at our standard......

Continue reading → 3 Reasons Why You Need Multiple Streams of Income