Heather Ellis Banks's blog

Are you in a financial position to save 90% of your income?

If you have not filed your tax return yet for 2018, you may be in for surprise.  According to the IRS, overall all tax refunds have dropped more than 8 percent during the first week of the tax filing season.  Some of us are bad at saving and use tax refund to do things they normally cannot afford to do during the year.

Internet ads promise huge savings on student loan debt if you consider refinancing with a specific company.  The companies like SoFi, CommonBond, Credible, LendKey and Splash Financial have been under heightened scrutiny by the Federal Trade Commission.

If you have had debt problems in the past and were sued by the creditor who you owed, chances are they have a judgment against you for the debts.  In some states, including Tennessee, a creditor has several means by which to enforce the judgment.

Many Americans hope for higher pay as they progress through their working years.  At what point is higher pay not enough to stay at a job?  Abigail Hess of CNBC brings light to a new trend amongst working-age Americans.

Uh-oh...It's Enrollment Season

Americans are still looking for deals even 10 years after the financial crisis.  The CNBC article written by Lauren Thomas and Lauren Hirsch highlights how lifestyles have changed since the 2008 recession.

What Is the Debt Relief Clinic?

Student loan debt far outweighs credit card and auto loan debt for most Americans.  Because student loans have become such a burden to many people, scammers have found a way to prey on these overwhelmed fears of student loan debt.