Category Archives: Money

Brice Capital Reviews for Debt Consolidation

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Reading Brice Capital reviews

Before starting in with reviews of financial services, do a thorough review of your own financial needs. No financial expert can help you unless you have a strong handle of your own financial situation and are able to clearly express what you want from the arrangement. If you are unsure of what you need, then you have no way of evaluating which financial service is right for you.

Once you have decided on the type of service you need and have a front-runner for a provider, read everything. Don’t just read their ad copy. Read reviews that come from all the places they serve. Take the testimonials seriously and note any red flags that come up along the way. Reviews will run the gamut of the overly effusive to the overly critical. Give more weight to the well-measured responses.

Brice Capital Can Help Financially

Just be sure to watch out for analysis paralysis. It is common to become so overwhelmed by all the information that one ends up doing nothing. Your situation calls for action. If it didn’t, you wouldn’t have made it this far into the process. You might have come across reviews on Brice Capital and have a few questions. Here are answers to the most common questions people have at this stage:

Who is Brice Capital?

It makes sense to start by asking, who is Brice Capital. Simply put, you go to Brice Capital for debt consolidation. This is not a financing service for your next car or boat. Don’t look to Brice Capital reviews hoping to discover they are a great source for helping you get the next iPad Pro. It is also not a bank or credit union, a provider of 401-K, or an investment account of any kind.

Reviews on Brice Capital will confirm that it is a provider of debt consolidation loans for people who carry too much debt from a number of sources with high interest rates. This brings us to the next question and the heart of what Brice Capital does:

Debt Consolidation?

Debt is any outstanding money you owe a lender. If you owe many lenders, you will have to make a lot of separate payments each month as a part of your debt service. If you use one of the popular furniture rental services, you might actually be paying weekly. The interest on that furniture is confiscatory and should be avoided at all costs.

A debt consolidation loan allows you to pay off all of your creditors and avoid that shockingly high interest rate you were stuck with. You could get a much lower rate than you had which will save you a lot of money in the long and short term. From that point, you only have one payment to make on a monthly basis, thus, greatly simplifying your finances.

How Is Debt Consolidation Helpful?

One of the most useful tips for borrowing money intelligently would be to pay close attention to the interest rate. One of the big mistakes low income earners make that the rich don’t is to jump at the first offer they get without noting all the details. If the credit was too easy to get then you have good reason to wonder where the catch is. Get a magnifying glass and read the small print carefully.

Search for a loan calculator and determine how much your monthly payment will really be, and how long it will be before you have paid off the loan. Then, compare your total payments to the actual amount of the loan. A bad loan will cost you considerably more than you borrowed, sometimes the total is multiple times the amount you borrowed.

Debt consolidation is helpful because it will eliminate the bad loan and replace it with one that is much better and far easier to manage. It tends to be the loan with terms you wish you could have gotten in the first place.

Debt consolidation helps everybody

What Are My Options for Debt Consolidation?

You have many options for debt consolidation. Once you determine that a debt consolidation loan is right for you, read the reviews and decide from there. Your options will differ based on the following:

  • Your credit score
  • The loan amount you need
  • Your income
  • The term of the loan
  • How quickly you wish to pay it off

Can Debt Consolidation Loans Help?

At the end of the day, only you can answer this question. You are the only one who knows your financial situation. It is possible that a debt consolidation loan for bad credit is a way forward. Try answering the following questions:

  1. Do you tend to forget to make one or more payments on a regular basis?
  2. Do you find yourself deciding which bills you will pay and which you will put off?
  3. Do you ever need to borrow money just to make all your payments?
  4. Would you feel like a weight was lifted from your shoulders if you only had to make a single payment each month?
  5. Do you have 3 or more creditors besides rent and utilities?

If you answered YES to any of these questions, you will likely benefit from a consolidation loan. If you answered YES to all of them, your next step will be to learn how to consolidate debt.

Can Brice Capital Help?

Brice Capital could be the best way to consolidate debt for you. If you need a consolidation loan, check out your debt consolidation options to see if Brice Capital can help. Again, it is not about borrowing money to buy a new car. Nor is it for purposes of investment. Brice Capital will consolidate all your high-interest credit card debt into one payment at a lower rate so that you can get out from under your mountain of debt and have a fresh start.

Apply with Brice Capital

To apply with Brice Capital today, just click on the link and fill out the simple form. You only need the basic information to get started. Act now to find out if a Brice Capital consolidation loan is right for you.

Where Charitable Giving Falls Under Your Debt Repayment Plan

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If you’re like most Americans, you’re spending at least some part of your monthly paycheck covering debt, whether it be from school, medical expenses, credit card spending, or something else entirely. Experts recommend spending between 10 to 20 percent of your monthly income on debt repayment, but some spend 36 percent or more.

When you’re spending a big chunk of your income on fighting debt, it can be difficult to find room for other things, including charitable giving. Roughly 43 percent of respondents in the 2018 Global Trends in Giving Report stated that they simply don’t give because they don’t have the financial resources.

Today, I want to help you understand where your charitable giving can fall inside a tight budget. Despite what you may think, it’s still possible to give to others, even when you’re struggling to make ends meet yourself.

First Things First: Understand What’s Important to You

If you arbitrarily pick a cause to donate to, you likely won’t share a strong personal connection with the organization or event. This can lead you to slack on your donations and push them to the back of your priorities.

To spark your interest and keep yourself engaged in giving, you need to find a charitable cause that’s close to your heart. Think about what matters most to you.

Is it children in need? Research for certain medical disorders or diseases? Animals on the streets?

Research whatever cause it is that you want to support. Don’t pick the first charity that falls in the category you select. Instead, use a site like Charity Navigator to ensure you’re picking a non-profit organization that is well-respected and trustworthy.

Make Saving for Charity Just as Important as Saving for Yourself

Even if you’re consistently working to pay off debt, you’re probably saving for something. Maybe you’re maxing out your IRA contributions or you’re socking money away for that trip to Hawaii next year. Perhaps you’re starting an emergency fund or putting away funds each month for a new car.

Whatever you’re saving for, think about how you’re able to find the money for your goal every month. Then, apply the same strategy to saving for charity. My top recommendation is to open a separate savings account for charitable giving, then automate your savings for a certain cause every time you get paid.

Also, it’s a smart idea to set a goal for yourself that’s more specific than just “give to charity.” For instance, the goal I set for myself this year was to donate 5 percent of my total income to the cause of my choice. That’s a much more specific, measurable goal, and it makes it seem more important when I go through my monthly savings.

Find Ways to Make Your Donation More Substantial

Did you know that many employers have programs that will actually match your donations to charity? Take a few minutes to check with your HR department to see what your company’s policy is. Perhaps you can double your $50 donation in minutes simply by looking into the available programs at work.

Another option is to rope friends and family into your giving strategy. Facebook offers the option to request donations to a specific cause on your birthday. Instead of trying to find the funds yourself, try to educate others on causes that are important to you and pull donations in from other places.

In Conclusion

At the end of the day, giving $10 a month to a charity is better than giving nothing. Even if you’re strapped for cash and constantly working to climb out of debt, there are ways to secure extra funds to support causes you care about. It just takes time and dedication.

Do These 5 Things With Your Money Before You Turn 30

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We see lots of lists shared on the internet talking about what you need to accomplish before you’re thirty. Some of them tell you all of the countries you need to visit. Others detail the many adventures you need to experience, from skydiving to going on a blind date.

Today, I want to talk to you about the five things you need to do with your money before you turn thirty. These tips will set you up for success in your third decade and help forestall any quarter-life crises you may begin to experience.

1. Open a High-Yield Savings Account

Imagine if your savings account could be earning almost three percent interest simply for sitting in a certain bank account while you ignore it. Fortunately, it can with high-yield savings accounts. Two to three percent might not seem like much, but every penny counts, right?

My personal favorite high-yield savings accounts include Barclays and Ally Bank. They’re free to use and incredibly easy to set up.

There’s another reason besides the extra interest to set up a high-yield savings account. It allows you to separate your savings from the rest of your cash in a deliberate way. As you roll into your thirties, you’ll have more control over dipping into your savings when you really shouldn’t.

2. Make a REAL Plan to Tackle Your Student Loan Debt 

It’s truly terrifying how often I hear people in their late twenties saying that they refuse to tackle their student loan debt. No matter how insurmountable your educational loans may seem, ignoring them is simply not an option, especially as you enter the years in which you are more likely interested in settling down.

Don’t let your missed student loan payments destroy your debt, and stop letting them accrue ridiculous amounts of interest. Now is the time to formulate a solid plan on tackling your debt so that you don’t drag it around like a ball and chain for the rest of your life.

3. Learn How Your Credit Score Works – Then Improve It

If you’re too afraid to check your credit score, or if you don’t know how to check it, make sure you overcome these problems before you’re in the full swing of adulthood. Understanding how your credit score works and what it is an essential part of growing up.

Once you know what your credit score is, it’s time to work on improving it so that you can set yourself up for success in your thirties and beyond. Whether that means getting a credit card and continuing to pay it off on time or eradicating large chunks of untouched debt, do what you have to do to make that important number higher.

4. Identify Your Main Savings Goals in the Next Decade

Right now, you’re probably feeling relatively untethered. You might not have children, a spouse, a house, or even a car to worry about saving for. However, those circumstances could very well change once you hit the big 3-0.

Think about where your savings goals will take you over the next decade. Even if you don’t plan to have children any time soon, do you plan to have them before you’re forty? What about buying a house? Traveling the world? Having a big wedding?

Before you turn thirty, check in with your hopes and dreams, then determine how you can start saving for them far, far in advance. Trust me, you’ll thank yourself later when you have a Friends-esque thirty-year crisis on your birthday.

5. Check-in With Your Retirement Savings

Last but not least, let’s talk about the word none of want to really think about: retirement. Unfortunately, now is the time to stop goofing off and finally open one of those 401k things everyone keeps talking about. Unless you want to keep working until you’re 80, you’ve got to start preparing for your future today, not tomorrow.

Visit your company’s HR department to talk about your 401k options. They’ll be able to walk you through the process of opening one and teach you how to start contributing. Additionally, you may be able to take advantage of a company’s match policy, which is basically like tapping into free money for your future retirement.

If you don’t work at a company that offers a 401k policy, or if you’re self-employed, educate yourself on investing through IRA accounts. This may seem more complicated, but that’s no excuse for turning thirty and having no retirement accounts to show for all your years of work.

In Conclusion

Let’s be real: no 29-year-old wants to turn thirty. However, you can feel a heck of a lot better about aging if you’ve got your money working in your favor. Use these tips to start your third decade out on the right foot, and remember: age is just a number.