While I’ve never been in the ocean, I’ve spent time almost every summer of my life at the beach, enjoying the long sandy shoreline along Lake Michigan. Over the years, I’ve developed an arsenal of strategies to maximize the fun of these trips, while minimizing potential inconvenience. However, even I found some new tips and... Read More
In some marriages, one spouse dreams of staying home while the other works. That’s particularly true of parents with young children. Living on one income is undoubtedly a challenge, but certainly not an unattainable fantasy — even if you don’t make six figures or more. Here are 10 tips to make a one-income life work for your... Read More
Buying used items is one of the top ways to consistently save money on everything you purchase. However, not every used item is a good value. Here are 10 things we think are better when bought new. 1. Cribs Back in 2011, the government changed safety standards for baby cribs in response to infant deaths related to... Read More
Are rude tellers and outrageous fees among your bank’s claims to fame? Enough already! You shouldn’t have to put up with that, especially with so many banks waiting for your business. Why waste your time and money on an institution you hate? Switching banks may seem like a royal pain, but it’s really not. Here are five steps to... Read More
Are you squeaking by on minimum wage? If so, it might seem like there is little hope for you to get money into savings. After all, working full time on the federal minimum wage of $7.25 an hour brings in a whopping $15,080 a year before any taxes. But even if your budget is down to the bare... Read More
If you’re a family of four with preteens and consider yourself “thrifty,” you may spend around $628 on groceries each month. On the other hand, maybe you live large — or, as the U.S. Department of Agriculture says, “liberal” — and spend $1,252 a month. Those numbers come from the USDA estimates for the average cost of food at home... Read More
All told, the average American household spent $53,495 in 2014, according to the Bureau of Labor Statistics. While the bulk of that money went for housing, we still spent more than $1,786 on apparel and services, $2,728 on entertainment, and another $2,787 on food away from home. Then there is that mystery category, “all other expenditures,” where... Read More
Being your own boss definitely has its advantages — flexibility, upward mobility, the chance to take your business in the direction you choose — but at tax time, being self-employed can be a challenge. Here’s a look at what’s expected of you when you go to work for yourself. Self-Employment Tax Like everyone else, if you’re self-employed, you’ll... Read More
Is your house your castle? Or an albatross around your neck? Your answer might depend a lot on your mortgage. Getting an affordable property at a great rate can make you feel as if life couldn’t be any sweeter. But ask anyone who bought a house with a mortgage they didn’t understand and couldn’t afford,... Read More
There are all sorts of ways to save money today. You can find deals on food, buy generic items or negotiate a better price on a new car. All those are great ways to stretch your dollars. But what if you reduced your trips to the grocery store and minimized your Amazon pantry purchases? How about squeezing... Read More
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Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.
The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).
We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,
The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.
In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.
Our Business Model
Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.
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Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.
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- The Credit.com Editorial Team