Author Profile: Felicity Nie

How To Overcome the Stress of Student Loan Debt

It’s easy to feel financially stuck in a cycle of debt when you have a huge outstanding student loan balance. From 2004 to 2014, student loan debt increased by 56% with the average American student now owing over $28,000. For some, that amount is even much larger. For example, attending a private undergraduate university or continuing onto graduate school can…

What Happens If I Don’t Pay My Credit Card Bill?

You’re overwhelmed with expenses and bills this month, and you don’t have enough money to cover the minimum on your credit card bills. What do you do? When you get your monthly statements, you’re thinking of just ignoring some of them this month, but aren’t sure if it’s a good idea. After all, what exactly happens if you don’t pay…

How Much Money do I Need for a Car Down Payment?

If you’re in need of a new car, it’s hard to know exactly where to start. First, you need to calculate how much cash you’ll need upfront and what that sum means for your loan and payments long term. Like any large purchase, you need to know what’s within your budget. You don’t want to jump head first into an…

How To Pay For IVF or Fertility Treatment

Fertility treatments have become more and more popular in recent years with more than 1.5% of babies in 2013 born through in vitro fertilization (IVF). But with a price tag of about $12,400 for one cycle of IVF, the costs remain steep for the average American. Adding doctor consultations, expensive hormone medication, laboratory services if you plan to freeze eggs…

The Top Three Debt Consolidation Loan Companies Online

A debt consolidation loan can offer you a way to get organized and pay off your debt faster. Put simply, it’s a loan from a company that pays off all your current debts and loans so that you have one fixed payment with a lower interest rate and longer payment term. This isn’t always the best option for everyone, but for…

On This Day: Live Aid Concert Shocked The World

30 years ago today, over 1.5 billion people around the world tuned in to watch a live broadcast of Live Aid, a fundraising concert in London and Philadelphia that featured some of the music industry’s biggest names. Live Aid focused on raising money to help Ethiopia recover from a catastrophic famine that swept the nation from 1983 to 1985 by…

What Happens If I Only Pay The Minimum on My Credit Card?

What is the minimum payment on a credit card

It’s always tempting to just pay the “minimum payment” on your monthly credit card statement. The minimum payment dollar amount is far more appealing than the actual balance, and it’s better than nothing, right? If you’re in a tough bind this month and short on cash, it’s important to understand what happens if you only pay the minimum every month…