Working from home is common today, but many taxpayers are still confused about work-from-home tax deductions. One of the biggest misunderstandings is the incorrect belief that simply working remotely automatically creates a tax deduction. In real…
Author: Timi Joy Jorgensen, PhD
DIY projects have become more than just weekend hobbies. For many people, they are practical ways to cut everyday expenses, reduce waste, or bring in extra income. Of course, not every project is worth the time, effort, or startup cost. Some DIY …
Debt collector calls can make a past-due account feel urgent. A calm plan helps you slow things down. You can confirm what you owe, then decide what you can afford before you agree to anything. Learning how to negotiate with debt collectors starts with…
An automatic stay is a legal order that can temporarily stop the insanity of collections. Learn what an automatic stay in bankruptcy is, how long it lasts, when it can be lifted, and what happens after it expires. What Is an Automatic Stay in Ban…
Home insurance is essential for protecting one of your biggest investments. But as premiums increase, many Americans are now searching for how to save on homeowners’ insurance and reduce their monthly bills while enjoying full protection. A 2025 …
If you have ever wondered what tax bracket you fall in, the answer is probably simpler than you expect, and very likely lower than you fear. Most people estimate their bracket based on their salary, which turns out to be the single most common mistake,…
Straight off the bat, you can not borrow from your IRA to buy a house. IRAs don’t allow loans. You can’t borrow against your balance, and you can’t use an IRA as collateral without triggering serious tax consequences. What the IRS does allow is a…
There’s one simple money habit that will do a lot of heavy lifting for you: spending less than you earn. It’s a simple idea, but it’s tough to pull off, especially when the demands of the real world are constantly draining your bank account. Cost…
Getting calls or letters from a collection agency can raise a lot of questions. One of the most common is how do debt collection agencies make money when they weren’t the ones who issued the loan. In many cases, lenders hire collectors and pay them a p…
Does bankruptcy cover back taxes? The answer is sometimes yes, but only if specific timing rules are met. Whether Chapter 7 or Chapter 13 covers back taxes depends on how old those taxes are and whether you actually filed returns. Here’s how both…