Financial Literacy

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How Long Do Charge-Offs Stay on Your Credit Report?

How Long Do Charge-Offs Stay on Your Credit Report?

A charge-off, which appears on your credit report after a lender or other creditor gives up trying to collect a debt you owe, remains on your credit report for seven years. Lenders view charge-offs as derogatory events in your credit history, and charge-offs can lower credit scores and make it more difficult to qualify for […]

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New Book! Millionaire Milestones: Simple Steps To Seven Figures

New Book! Millionaire Milestones: Simple Steps To Seven Figures

Get excited! After over two years of writing and editing, I’m thrilled to finally share my upcoming new book with you: Millionaire Milestones: Simple Steps To Seven Figures! If you’ve enjoyed my writing on Financial Samurai over the past 16 years, you’re going to love this book out on May 6, 2025. With over 30

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Southwest Partners With Icelandair to Offer Europe Flights

Southwest Partners With Icelandair to Offer Europe Flights

Harlan Vaughn writes for NerdWallet. Email: articles@nerdwallet.com. The article Southwest Partners With Icelandair to Offer Europe Flights originally appeared on NerdWallet. https://www.nerdwallet.com/article/travel/southwest-partners-with-icelandair-to-offer-europe-flights #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances #generationalwealth

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8 Pricey Side Hustle Missteps That Can Sabotage Success

8 Pricey Side Hustle Missteps That Can Sabotage Success

When it comes to make extra money, certain missteps can significantly sabotage your success if not properly managed. Each of these errors chips away at your potential profits, turning what could be a thriving hustle into a financial burden. If you’re looking to make extra money, be sure to be mindful of these pricey side

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More than half of Canadians are feeling ‘financially paralyzed,’ RBC poll says

More than half of Canadians are feeling ‘financially paralyzed,’ RBC poll says

High costs continue to erode financial flexibility https://financialpost.com/news/canadians-financially-paralyzed-rbc-poll #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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7 Credit Card Tips You Should Know

7 Credit Card Tips You Should Know

Credit cards can offer more convenience, security and benefits than other payment options, and they also offer the opportunity to build up a history of responsible credit usage. But if you don’t use your credit card with a strategy, you could put your finances at risk and end up canceling any benefits. Fortunately, knowing how

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Credit Cards You Can Get Without a Social Security Number

Credit Cards You Can Get Without a Social Security Number

Melissa Lambarena writes for NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article Credit Cards You Can Get Without a Social Security Number originally appeared on NerdWallet. https://www.nerdwallet.com/article/credit-cards/credit-cards-you-can-get-without-a-social-security-number #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips

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7 Simple Steps to Master Your Finances

7 Simple Steps to Master Your Finances

Taking control of your finances doesn’t have to be complicated. By mastering these steps, you can achieve financial stability, reduce stress, and work towards your long-term goals with confidence. Step 1: Understand your personal and financial circumstances Typically, a financial planner will get to learn and understand everything about your finances, family, goals, etc. But

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FreeTaxUSA Review 2025: Completely Free Federal Tax Filing Services

FreeTaxUSA Review 2025: Completely Free Federal Tax Filing Services

FreeTaxUSA is a tax preparation software program that is exactly what the name implies – free. It’s free to file your federal income tax return and $14.99 per state return. With FreeTaxUSA, you can prepare your tax returns for free, even if they are more complicated. Most tax prep software programs only allow you to

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What Is Price per Square Foot and Why Does It Matter?

What Is Price per Square Foot and Why Does It Matter?

Price per square foot is a way to measure a home’s value relative to the size of its living space. While the simple metric doesn’t give you the full picture of a home’s condition or whether it’s the right fit for you, it can be useful in comparing similar properties. Here’s why price per square

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Bought Stock On Margin At A 12.575% Interest Rate And Survived

Bought Stock On Margin At A 12.575% Interest Rate And Survived

If there’s one thing I don’t recommend, it’s buying stock on margin. Due to the volatility of stocks and high margin interest rates, borrowing money to buy stocks is a bad idea. Conversely, I’m not opposed to buying a home on margin, namely through a mortgage, if buying follows a homebuying guideline like the 30/30/3

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As Credit Card Tech Evolved, Some Would-Be Hiccups Never Happened

As Credit Card Tech Evolved, Some Would-Be Hiccups Never Happened

Funto Omojola writes for NerdWallet. Email: fomojola@nerdwallet.com. The article As Credit Card Tech Evolved, Some Would-Be Hiccups Never Happened originally appeared on NerdWallet. https://www.nerdwallet.com/article/credit-cards/credit-card-tech-hiccups-that-never-happened #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances

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15 Unexciting Ways That Grow a Six-Figure Retirement Fund

15 Unexciting Ways That Grow a Six-Figure Retirement Fund

The so-called “boring” strategies demonstrate that wealth-building doesn’t require excitement, just patience and perseverance. We uncover the often overlooked, yet highly effective, methods of accumulating significant savings for retirement. So, if you’re interested in building up a six-figure retirement fund without the jazz, check out the full list here. 1. Max Out Retirement Contributions If

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How to unlock tax-efficient RRSP strategies for business owners and their families

How to unlock tax-efficient RRSP strategies for business owners and their families

As the annual RRSP deadline nears, now’s the perfect time to evaluate these and other options https://financialpost.com/personal-finance/how-to-unlock-tax-efficient-rrsp-strategies #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Courtyard by Marriott Oahu North Shore Review: Family-Friendly, Recently Renovated

Courtyard by Marriott Oahu North Shore Review: Family-Friendly, Recently Renovated

Sally French writes for NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. The article Courtyard by Marriott Oahu North Shore Review: Family-Friendly, Recently Renovated originally appeared on NerdWallet. https://www.nerdwallet.com/article/travel/courtyard-marriott-oahu-north-shore #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips

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15 Effective Ways to Live Well on One Income

15 Effective Ways to Live Well on One Income

Are you trying to achieve financial stability and peace of mind, especially in households with a single income source? Here are practical and actionable tips that help you manage expenses, save money, and make the most of your financial resources. By adopting these habits, you can create a comfortable and fulfilling lifestyle without feeling financially

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TaxAct Review 2025: Quality Service, Average Pricing

TaxAct Review 2025: Quality Service, Average Pricing

Filing taxes is an annual practice that most of us try to do as quickly as possible and at the lowest cost. TaxAct is a popular tax software that can produce the same results as the more expensive platforms. TaxAct used to be among the cheapest tax software, but the price has crept up over

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Capital gains proposals prove a return to common-sense tax and economic policy can’t come soon enough

Capital gains proposals prove a return to common-sense tax and economic policy can’t come soon enough

Kim Moody: Our country’s taxation policies have been very destructive, in particular to entrepreneurs https://financialpost.com/personal-finance/taxes/capital-gains-proposals-tax-economic-policy #financialfreedom #money #entrepreneur #business #finance #investing #financialliteracy #success #investment #wealth #motivation #financialindependence #passiveincome #personalfinance #realestate #stockmarket #debtfree #entrepreneurship #invest #bitcoin #creditrepair #debtfreecommunity #investor #trading #workfromhome #stocks #credit #financialeducation #bhfyp

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Why Residential Commercial Real Estate Looks Attractive in 2025

Why Residential Commercial Real Estate Looks Attractive in 2025

In this Financial Samurai podcast episode, I speak to Ben Miller, co-founder and CEO of Fundrise about his outlook for residential commercial real estate in 2025. Despite high mortgage rates, he’s taken a positive view and he shares the main reasons why.  Listen to my conversation with Ben by click the play button below or go to

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9 Common Money Mishaps Anyone Can Correct for Better Finances

9 Common Money Mishaps Anyone Can Correct for Better Finances

It is inevitable that during your lifetime of getting your finances together, you’re going to make some common money mistakes. Sometimes, these blunders will be pretty significant; other times, they are just money mistakes everyone makes at one point in their lives. Either way, we are all human. Learning from your mistakes will help eliminate

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