Alice Bryant

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Alice Bryant

Alice Bryant is the Editor of Creditnet and a personal finance expert with over a decade of experience writing about credit cards, credit scores, debt repair, and more.

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Recent Blogs

Are You Cheating On Your Budget?

A new year often brings along new budgets as we seek to get a better hold on our personal finances in 2016.  A household budget helps finances run smoothly, eliminating surprises and setting a clear path for every dollar that comes into the house. However, some people have a hard time making their budget work for them. If anyone feels trapped by their budget or feels like it just never works, they might actually be cheating on their budget. This can happen consciously or subconsciously. A successful budget requires complete honesty and recognition of the natural desire to enjoy life.

Trouble Getting Started on Paying Off Debt? Try the Snowball Plan

The Snowball Plan isn’t your typical paying-off-debt plan; it’s designed to jumpstart those who have found themselves in a lot of debt and feel hopelessly overwhelmed. If that’s you, have hope - you will pay off your debt, soon.

How to Deal with Tricky Money Situations

Anticipating the financial challenges that life might throw your way can be difficult, and that’s why it’s a good idea to think about such situations far in advance. Most families at some point are going to have trouble making ends meet, and how you elect to address those problems will have a major impact on how long they might last. When is it wise to use credit cards to bridge a monetary gap? Should you consider seeking a loan from a family member? Are you saving enough during the good times to handle a possible bad stretch?

Can Student Loan Debt Jeopardize Retirement?

If you have student loan debt, could it hinder your chances of retiring the way you want to or retiring at all? The answer to that question depends on what type of debt you have, how much student debt that you have and what your retirement timeline is. In some cases, cosigning on a student loan could have an impact on the length and quality of your retirement.

Are You the Right Age for a Mortgage?

Thanks to the Equal Credit Opportunity Act, mortgage lenders are prohibited from using factors such as age, race, color, sex, nation of origin, marital status or receipt of public assistance as cause for denial of a borrower's loan application. But that doesn’t mean you shouldn’t think about your age before applying for a mortgage.