You finish a shift, look at what you made tonight, throw up a little in your mouth, and immediately begin questioning your actions that brought you to this moment. Is business dying? Did you choose the wrong shift? Is everyone else making more than you? Should you quit, move across the country, and begin a peaceful new career selling organic beeswax candles? Probably not. Not because beeswax candles aren’t great, but because you are not a quitter! You get back…
If you’ve read any of the student-debt success stories circulated in the media lately, you might think the only way to pay down your debt is to give up coffee, your social life and your apartment. “It seems like borrowers are told that they have to live on beans in a shantytown and pay off their debt as quickly as possible,” says Minnesota-based certified financial planner Mark Struthers. “This is not true and may be counterproductive.” It can take some…
My Credit Score Is 600 — Is That Bad? If your credit score is 600, things could be worse. After all, scores start at 300. But things could also be a lot better. Scores lower than 630 are considered poor, so you might be denied for credit cards and loans or pay high interest rates for the ones you do receive. A low credit score signals to lenders that you’re more likely to default on your debts. A little more than 10% of credit…