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

Mid-year Check Up: Is Your Money in Order?

Life as a responsible adult means juggling and properly handling finances. The overwhelming majority of all adults throughout the nation have debt, with roughly a third of Americans falling into delinquency, according to a 2014 report from USA Today. The average person also has a minimum of two credit cards, a mortgage or similar loan, and other finances to juggle. Checking your personal finances is a necessity to keep in good standing with creditors and to keep your credit score, investments, interest rates, and other fiscal aspects healthy.

How to Score the Best Deals on Back to School Shopping

With August having started and summer quickly coming to a close, the school season is rapidly approaching. While you may have left over supplies from the previous school year, each teacher inevitably requires either more items or more expensive items, making the end of summer a financial hit only second to the holidays. With careful planning and dedication to that plan, your budget does not have to undergo an entire revamp just to make sure the young ones have a calculator.

Is Peer to Peer Lending the Future?

Traditional banks may be viewed by the government as too big to fail, but they aren't too big to face a growing level of competition from a new, technology-driven lending platform. This platform is known as peer to peer lending. In this nascent lending dynamic, online intermediaries bring borrowers and lenders together without the need for a big bank or financial institution. Lenders in a peer to peer setting are not large, structured entities such as banks, but individual investors seeking a more profitable alternative to traditional bank deposits.

The Differences Between Being Cheap vs Being Frugal

Our culture is sometimes a little confused about the virtue of saving money. On one hand, we praise people who get great deals, but if the people in question hunt for the deals too hard, they are dismissed as being cheap and told that they should live a little. The truth is that there are always two sides to every story, and therein lies the important difference between being frugal and being cheap. While these two words can technically describe the same behaviors (i.e. checking deals, looking for bargains, or making comparisons), there is a world of difference between them regarding the attitude that is expressed. Understanding the difference between frugality and being cheap is a good way to develop a mature and nuanced attitude towards money. 

How Often Does Your Credit Score Change?

Since credit scores are now so integral in the daily lives of people, even playing a role in whether someone can get a job or a loan, there is a tremendous fascination with them and how often they change. There are actually many circumstances and factors that can trigger a credit score to change. Being aware of how and when credit scores can change makes a huge difference when it is time to look for a good loan or take advantage of a great offer.