The Latest Debt & Finance Blog

Millennial Home Buyer Wanted

Why Millennials Aren’t Buying Homes

By Max Fay | December 14, 2016

Data shows that homeownership among millennials is down, but that doesn’t mean they aren’t interested in buying a home. In the last two decades, homeownership in the U.S. has declined…

FAFSA Benefits Students

Changes to FAFSA Benefits Students

By Max Fay | October 25, 2016

You’re a college student, and life feels grand. You have your classes picked out for next semester, and you’ve signed a lease through next year. Everything is falling into place.…

Frugal Man Return From Paris

Frugal Man Home From Paris

By Bill Fay | August 11, 2016

The Frugal Man has never in his life bragged about throwing money around, but that 60-year silence on silly spending is over. I just dropped a boatload of money on…

Piggy bank with stethoscope and clip board

FINRA Study Says (Some) Americans’ Financial Health Improving

By Bill Fay | July 20, 2016

American consumers say they are having an easier time paying bills and are feeling much less stress over their financial situation than they were in 2009… unless they happen to…

Interest rates will not budge

Interest Rates Probably Not Budging in 2016

By Bill Fay | July 13, 2016

During Alan Greenspan’s nearly 20-year reign as Chairman of the Federal Reserve, commentators used to look at the heft of the briefcase he carried to meetings to guess whether interest…

CFPB changes rules regarding payday loans

Payday Loans Face Tough Rule Changes from CFPB

By Bill Fay | June 9, 2016

The Consumer Financial Protection Bureau has proposed new rules aimed at putting more responsibility on payday loan lenders and their crippling triple-digit interest rates. The CFPB proposals would require lenders…

American families are having trouble with understanding finance

Financial Literacy a Tough Test for Most Americans

By Bill Fay | May 24, 2016

The latest trends in spending and debt indicate that America already has forgotten any lessons we might have learned when the bubble burst on the U.S. economy in 2008. The…

Eiffel Tower in Paris

Frugal Man Goes To Paris

By Bill Fay | May 4, 2016

If you’re wondering whether a summer vacation is worth it, ask your doctor, not your accountant. Every medical study ever done on the subject concludes that summer vacations – especially…

Auto Sales Slow Because of New Legislation

New Legislation May Slow Record-Breaking Car Sales

By Bill Fay | November 25, 2015

Analysts predict record-setting sales for the automobile industry over the next year, though feuding between government leaders over whether discrimination exists in car financing could slow things down. WardsAuto Dealer…

Save money on Thanksgiving

Excessive Spending Not Necessary At Thanksgiving

By Bill Fay | November 23, 2015

America’s holiday season has begun, which means excessive consumption is not only allowed, it’s encouraged. At least until it’s your turn to pick up the bill. There is no reason…

Sources:

  1. U.S. Census Bureau (2016, October 27) Homeownership Rates by Age of Householder. Retrieved from https://www.census.gov/housing/hvs/data/histtab19.xls
  2. Fry, R (2016, May 24) For First Time in Modern Era, Living With Parents Edges Out Other Living Arrangements for 18-to-34 Year-Olds. Retrieved from https://www.pewresearch.org/social-trends/2016/05/24/for-first-time-in-modern-era-living-with-parents-edges-out-other-living-arrangements-for-18-to-34-year-olds/
  3. Fannie Mae (2014, May) Fannie Mae National Housing Survey. Retrieved from http://www.fanniemae.com/resources/file/research/housingsurvey/pdf/nhsmay2014presentation.pdf
  4. RentBlog (N/A) Millennial Generation Choosing to Rent. Retrieved from http://blog.rent.com/millennial-generation-renting/
  5. Rosen, K (N/A) Millennials and Homebuying: Myths and Reality. Retrieved from https://www.nerdwallet.com/blog/mortgages/millennials-and-homebuying/?trk=nw_hp4_bv_indexpg-10
  6. Bichell, R (2016, January 14) Average Age of First-Time Moms Keeps Climbing in the U.S. Retrieved from http://www.npr.org/sections/health-shots/2016/01/14/462816458/average-age-of-first-time-moms-keeps-climbing-in-the-u-s
  7. Student Loan Hero (2016) A Look At Shocking Student Loan Debt Statistics for 2016. Retrieved from https://studentloanhero.com/student-loan-debt-statistics/
  8. McLaughlin, R (2015, October 21) Should Millennials Rent or Buy? Retrieved from https://www.trulia.com/blog/trends/millennials-rent-or-buy/
  9. Schoen, J (2016, June 16) Rents Now Top List of Fastest Growing Prices. Retrieved from http://www.cnbc.com/2016/06/16/rents-now-top-list-of-fastest-rising-prices.html
  10. Woo, H (2016, June 14) How Have Rents Changed Since 1960. Retrieved from https://www.apartmentlist.com/rentonomics/rent-growth-since-1960/
  11. You will need Adobe Reader to view the PDF Download Adobe Reader