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Angela does Finances
This little piggy went, 'Oh, sh*ttttt!' Don't worry, we'll patch him up in no time. After all, that is my day job.
Spotlight on...
student loans
Student loans: we all have them. I have them. You have them. This poor, sad little pig has them. But do we truly understand them? Let's play a little Fact vs. Fiction on two of the most hated words in the English language.
Student loans do not go on my credit report: fiction
Student loans, like any type of debt, can damage your credit score through late payments, default, or high credit utilization.
Student loan interest is tax deductible: fact
A portion of the interest on most federal subsidized, unsubsidized, and even private student loans can be tax deductible.
I can defer my student loan payments in times of hardship: fact
In certain medical, financial, or employment situations, you may be able to apply for deferment or forbearance of your student loans. During this time, it's important to seek financial advice, as interest may or may not accrue depending on your circumstances.
it is a good idea to consolidate my student loans with other debt: mostly fiction
Everyone's personal financial situation is different, but in general, it is not wise to include your student loans in a debt consolidation plan. Doing so may cause you to lose valuable benefits such as tax deductibility and various deferment or forbearance options.
I hope this information on student loans helps you to make informed decisions. Stay tuned for our next spotlight on why you should largely ignore your 401k performance. Did I read that right? Yes, you did! Stick with me and I'll give you the scoop.
It's Happened to All of Us...
small spending indiscretions
You and your BFF are chilling at your place, and you don't hear the delivery person knocking amid all of the blood-curdling screams: you're playing Resident Evil on Xbox Game Pass, streaming Demon Slayer on Crunchyroll, and catching Euphoria reruns on Apple TV while listening to Pantera on Spotify. Luckily, the dog looks up from his Moon Pod to alert you that the food has arrived, but it’s not the tacos you ordered for dinner; it's the cheesecakes you ordered for dessert. Bummer.
With $7.99 here and $15 there, it's easy to see how these small expenses can add up and impact your budget, making it hard to join your friends on that weekend getaway or forcing you to rely on credit for car repairs. Click below to discover the most common silent usurpers of your bank account.
More Spare Change...
latest phishing scam
latest phishing scam
latest phishing scam
Smishing? SIM swapping? It's all very suspect. No, I'm not talking about Burning Man 2025. I'm talking about stone cold theft of your stuff. Crooks are getting craftier with AI, making these scams harder to spot. Click on over to our friends at Experian who will read you into the latest attempts to steal your hard-earned cash.
trending budget apps
latest phishing scam
latest phishing scam
Budgeting? I thought that was obsolete. Actually, it's very much solete. And one of the best ways to avoid credit drama. The great news is that budgeting is top heavy—once you invest the time to develop your budget, checking in on it is fairly painless. Plus, there are tons of budget apps available to assist you! Check out the link below, where Nerd Wallet showcases the top-rated apps for any type of budget.