Fix My Finances
Helping You Get “Back In The Black”

When I first started putting money in a Roth IRA for retirement, I definitely didn’t understand the concept. I didn’t even buy stocks with it at first. I couldn’t figure out why my money wasn’t growing until I realized that it was just essentially sitting in a money market account. Oops. Guess I should have [...]

One of my good friends recently told me that she is looking to buy a condo within the next year. At twenty-four-years old, I am proud of her ambitiousness. When i was younger (granted I am only 25 now) I never realized how smart it is to actually own your own home. Growing up in [...]

Why is it that every time I decide that it is time to save money, something breaks or needs replacing?! Just yesterday I wrote a post detailing a reward program that I thought would help me save money. Depending on how often I used or how much I put on my credit card, I would [...]

Logically I know that I have to stop spending money. At least I am aware of it and that is, I suppose, half the battle. Well, if not half the battle then it is at least the first step. It’s just that I am able to justify my spending most of the time. That weekend [...]

I tried to post this as a comment but, unfortunately the system wouldn’t let me. So, that really was great advice and I thank you for it. (I hope everyone reads it…it was the first comment to my last post.) I’ve actually been doing just what you said. Luckily, the two credit cards that I [...]

It wasn’t so long ago that I had paid all of my credit cards down to zero. Considering the six months I lived in Europe, financed almost entirely on credit, that was no small task. And yet I am now back in a bit of debt. It’s not nearly as much as it used to [...]

The ways banks find to earn more from customers truly boggles my mind. On bank-issued credit cards, we used to receive the lowest exchange rate when purchasing something abroad. It made sense to use your credit card when traveling outside the U.S. Recently banks changed which exchange rate will be used, and beginning this month, [...]

If you are ever a little lost and can’t figure out what that finance charge on your credit card statement means, or what that section on your credit report is, try How Stuff Works. This website provides all the information you need to understand everything finance-related (along with info about other things from computers to [...]

This article from Bankrate.com lists 15 clues that you might need assistance in clearing your debt. Here’s a glimpse: When do you need to call in a financial fitness expert? Here are 15 instances that could indicate that your balances are getting the better of you and that credit counseling might help: 1. Your credit [...]