Spring Break is near, which means a lot of travel expenses you won’t regret unless it puts you into debt. Here at The Credit Repairmen, we’re always thinking about finances in terms of three digits. Do you have the three digit score that lets lenders know you will be trustworthy? The three digit score that
Spring Break is not just about forgetting everything that happened the night before. It can be about spending quality time with your family. Unlike in college—where money is actively wasted—spending spring break with your family is about saving money. And that means working with a real budget. It Starts with Savings One of the quickest
For most college students, education is the only thing worth worrying about—everything else can wait. That’s just plain nonsense.     More than 70 percent of students with a bachelor’s degree end up borrowing an average of $29,400. Student loan debt has passed the $1 trillion mark, and $66 billion of that is coming from grandparents
Believe it or not, money laws go all the way back to Aristotle. The ancient Greek philosopher famously called moneylending “the birth of money from money.” Even the Bible says “love ye enemies, do good, and lend, hoping for nothing thereby.” Early in our collective history, moneylending was seen as a personal transaction; an act
There’s nothing wrong with online dating, but there’s a sad, dark business to online romance scams resulting in lots of lost consumer cash. According to FBI’s complaint center,  the bureau reported 15,000 romance scams, resulting in a combined $230 million in consumer losses.  Some of the reports involved soft scams, such as one partner asking the
“They” say that diamonds are a girl’s best friend – although Leonardo DiCaprio disagrees. There are a number of reasons for that. Psychologists say that diamonds act as “courtship gifts” because it shows us that our significant others see us as “investments”, and apparently girls (and boys, of course) love that. But so do collection
Getting financially ready is never about making some big drastic change overnight. We like to say things like: “I’ll get a new job” or “I’ll buy that awesome new Corvette” or “I’ll buy that new home”. But as the health and wellness gurus tell us – the change has to be gradual, and has to
Just like you, we’ve been busy this tax season. We’ve talked about why that tax refund needs to go towards debt, budgeting essentials, and even an idiot’s guide to taxes in general (don’t worry; that title was more for us than you). Now we want to take a break, and focus on silly things we
With tax seasons under way, everyone can’t wait to to spend their refund money like a lottery ticket. Despite our inner wishes, that tax refund is not a Victoria’s Secret gift certificate. If it is, you either haven’t had to worry about debt, or are about to start. First, a quick refresher: a tax refund
Late bills are a little like thunder and lighting; you won’t get burned – unless you’re the 1 in  700,000 that gets hit – but your experience won’t be pleasant. Nonetheless, just as you can prepare for the physical storm, you can prepare for the financial one just as easily. It starts with budgeting. Many