Naomi is a freelance personal finance journalist and blogger who reports on family finance and money news, and how it will affect you today including credit, debt, banking, saving, spending, consumer behavior, and how to take advantage of shopping deals and discounts.
With a Bachelor's Degree in Marketing and a minor in Consumer Behavior, Naomi has a deep background as a retail industry reporter and copywriter. Her personal finance work has appeared recently on bankrate.com, foxbusiness.com, Yahoo Finance, msnmoney.com, moneyrates.com, mainstreet.com, creditsesame.com, and bottomlinepublications.com, among many other specialized money websites. She never writes about it if she hasn't seen it, experienced it, or tried it first-hand!
Minimum payments are one of the insidious ways creditors keep you in debt if you let them. Learn about how those minimum payments get calculated, the effects they can have on the total amount owed and on your credit score, and ways you can pay more than the minimum.
There's no substitute for the wealth of information found in a tome written by a successful person with a specialized point of view. Each of these 12 books is a personal finance classic because the concepts within stand the test of time.
Cleaning up your finances can only help your life run more smoothly. And what better time to do it than when you're already spring-cleaning? Every time you have five minutes or so, complete at least one of these 24 easy ways to master your money, until you've done them all.
Minimum payments are one of the insidious ways creditors keep you in debt if you let them. Read on to learn about how those minimum payments get calculated, the effects they can have on the total amount owed and on your credit score, and ways you can pay more than the minimum.