• Home
  • About
  • Advertise
  • Contact
  • Policy
  • Guest Post
  • Archive

One Cent At A Time

A Personal finance blog to get rich

  • Email
  • Facebook
  • Pinterest
  • RSS
  • Twitter
  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

How Loans Can Hurt and Help Your Credit Score

September 10, 2020 Leave a Comment

Share this:

  • Tweet
  • Email

Many people think that all kinds of debts are created equal and as a result, they have equal weight on your credit score, but this is not true.

There are many factors that play a role when it comes to credit scores and how they are calculated. Credit scoring models take into consideration what debt you have and how much of it. Also, they consider how your installment debt.

When you understand which metrics matter most pertaining to your credit scores, you’ll be able to improve and maintain them. In this article, you’ll find the answers to your questions.

Continue Reading...

4 Things You Should Know Before Taking out A Loan

July 13, 2020 Leave a Comment

Share this:

  • Tweet
  • Email

Getting a loan is a huge financial decision, and it should never be taken lightly. In emergency situations, debt can prove to be very useful and life-changing, but that doesn’t mean that you can’t do some research before the time arrives.

Top Tips to Help Manage Your Personal Loan Payments

As it is a very significant financial decision, you need to make sure that it doesn’t have any adverse effects on your finances in the future. Before you apply for any kind of loan, it is important that you learn a few things about you so that you don’t have to face any problem later on.

Continue Reading...

Best Places for Your Loan Need

September 9, 2017 2 Comments

Share this:

  • Tweet
  • Email

Most people know that it’s always better to rely on their own finance but today it’s quite hard to avoid using different loan services. There are different kinds of loans and consumers use them for different purposes. For example, getting a fast loan is a way to deal with a financial emergency.

Taking Out Loan

Not so many people can afford to buy a house with cash, so they get mortgages. Personal loans help dealing with both expected and unexpected expenses.  Today’s lending market offers numerous opportunities for borrowing money, so let’s check the most popular lending options and figure out when it’s better to use them.

Continue Reading...

I am a Discharged Bankrupt; Can I get a Car Loan?

February 19, 2017 9 Comments

Share this:

  • Tweet
  • Email

This post talks about ways to get approved for a car loan after you are over from your recent bankruptcy. Enjoy the post from Bill Tsouvalas!

Car loans

Acquiring car loans after bankruptcy is frequently considered impossible. However, that assumption is wrong. You can still obtain a car loan if you filed for bankruptcy and subsequently been cleared of your debts.

Continue Reading...

Sub-Prime Car Loans, How to Buy a New Car With Bad Credit

June 5, 2015 3 Comments

Share this:

  • Tweet
  • Email

I don’t advocate for buying a new car, even for people who has a good credit. In terms of value for money, a 1-year-old car is always better than a brand new car from the showroom. The moment you drive it out of the dealership, car value goes down by a couple of thousand bucks. But there are people who want to buy a brand new car.

How to buy a new car with Bad Credit

In this post, I’ll assume the reader had a temporary hardship, due to which regular payments on credit cards and other loans suffered. Resulting in bad credit. Sometimes long term illness or a divorce can put one into bad credit. But, now the reader recovered and have cash to pay off debts, and, is confident on future cash flow to afford auto loan repayment.

Continue Reading...

Millions of American Homeowners Could Refinance and Save with HARP

June 26, 2013 4 Comments

Share this:

  • Tweet
  • Email
This is a Sponsored post written by me on behalf of Quicken Loans for SocialSpark. All opinions are 100% mine.

by Clayton Closson

You read that title correctly.

An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case you haven’t been paying attention) through the gov’s HARP program. And they can do it even if they owe more money than their home is worth. Up to 200%. But they aren’t. And we don’t know why.

Continue Reading...

Things to Consider When Taking out a Short Term Loan

November 4, 2012 Leave a Comment

Share this:

  • Tweet
  • Email

There are many considerations to make when you’re planning on taking out a loan of any type and short term loans are no different – sometimes you don’t have much thinking time when it gets to being an emergency.

Personal loans

Even though the amount you borrow is normally quite small, and the time period of the loan is often only a month, it is still a loan and you will still have to pay it back when the time comes. Quick loans are legal documents between you and your lender and you need to think a lot about your circumstances before taking one out.

Continue Reading...

FAFSA Scam And How To Be Prepared

September 26, 2012 3 Comments

Share this:

  • Tweet
  • Email

The premise of FASFA, as the first abbreviation denotes, is to extend free financial help to needy learners. FAFSA is not totally scam proof.

FAFSA Scam

Before we start with anything else, Here’s a good article by department of education on college scholarship fraud issue. If you are applying for college or know someone who is doing, this article can be an useful resource for you.

Continue Reading...

Reader question – Personal Loan or Home Equity Loan for Emergency Medical Expenses?

June 22, 2012 6 Comments

Share this:

  • Tweet
  • Email

It’s not always possible to reply to readers’ questions individually, I apologize to them whom I could not respond to. This post revolves around a reader question – Pravin asked, whether he should go for a personal loan or home equity loan, to fund medical expenses for his visiting mother. His mother is not adequately insured through traveler’s insurance she got from her home country.

For immigrants, it’s common practice, parents come from their country on a temporary health insurance. Often these insurance have fine prints and exclusion clauses that no one cares to read. Pravin is unfortunate to face this situation, as 99% of the time, medical attention is not required during parents’ stay in United States, which only lasts a couple of months or so due to visa restrictions. (SEE ALSO – Best personal loan option)

Continue Reading...

Do you need Home Equity Loans?

June 9, 2012 2 Comments

Share this:

  • Tweet
  • Email

Home equity loans are kind of second mortgage loan. Money is borrowed in case of a home equity loan against the worth of the borrower’s house. There are obvious risks associated with such a credit product. When undertaken wisely, home equity loans can be quite useful and they can help you at times of financial needs.

They have become, in the present context, an acceptable option to get that extra money for your immediate and important need to be met.

Continue Reading...
Next Page »


Create your own blog in 20 minutes and $20

Personal Capital, a free tool to change your financial health today

I use and suggest Upstart, for your personal loan need

CreditKarma, a free tool to check your credit scorey

I use Coinbase, for my crypto investments

101 Cents at a Time

101 Ways to Earn Extra Money on the Side
201 Frugal and Perfect Birthday Gifts
101 Ways to Save Money Everyday
101 Ways to be Better and Successful at Work
101 Ways to Save Environment and Energy
101 Frugal and Romantic Anniversary Ideas
101 Low-Cost Men's Fashion Ideas
101 Personal Finance Tips
101 Ways to Reuse Household Stuff
101 Things to Do, When Nothing to Do
101 College Graduation Gift Ideas
100 Tips for Ecommerce Startup
101 Ways to Enjoy Indoor During Winter
101 Ways to Beat Procrastination

Popular Posts

Quick Cash - How to make $100 legally, in a day
Living well on less than $15,000 a Year
Top survey sites for side income
What to do when auto repair goes wrong
Where should I invest my money now?
20 Ways to be productive and happy at work
51 Ways to get out of debt
Be a better person in 15 days, 15 ways
Income ideas for retirees and senior citizens
51 side jobs for college students
Urgently need a large amount of money?
Should I buy or should I rent?
Best Personal loan providers
25 Ways to save environment
25 DIY car repairs to save money
How to decorate office cubicle
How to show your wife you care
50 Financial Rules for Success
51 Frugal weekend family activity ideas
Become Rich By Saving 1 Hour Of Daily Wage
How much do I need to save for retirement?
How to negotiate your salary

Follow us on FaceBook

Subscribe

Join our community of 5000+ subscribers to increase net worth and build wealth

Advertisements

Personal Stories

How I got a new HP computer replaced
Was COVID circulating in USA in fall of 2019?
How my credit score went up 800+
Why I didn’t invest in Bitcoins
How I controlled impulses to buy things
Why this blog is named One Cent at a Time

Subscribe via Email

Site Disclaimer

Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
Read full Affiliate disclosure


One Cent at a Time is published by SB. The opinions expressed herein by him are his own and not those of his employer or anyone else. All content on One Cent at a Time is for entertainment purposes only. By reading this blog, you agree that SB and/or One Cent at a Time is not responsible for any actions taken after reading this blog. For the full disclaimer, click here .

Major Media Mention

One Cent at a Time Media Appearances

Copyright © 2023 One Cent At A Time · Designed by Nuts and Bolts Media