How to Budget on Irregular or Hourly Income (Without Giving Up)
Budgeting irregular income with a two-account system: pay yourself a fixed weekly salary out of variable gig pay, build a 4-week buffer, skip payday loans.
By Aaron Kim
HomeBorrow Smarter
Borrow Smarter - 7
Reporting, analysis, and plain-language explainers on payday loans, state rules, credit scores, and the lower-cost alternatives most borrowers never hear about.
Money Guides and Plain-Language Explainers
Florida Payday Loan Laws: Fees, Limits, and the 60-Day Grace Period
Florida payday loan laws cap fees at 10% but a $500 loan still costs 304% APR. See the 60-day grace period rules and the installment loophole most articles miss.
By Carmen Ortiz
How to File a CFPB Complaint Against a Payday Lender
How to file a CFPB complaint that actually gets a response: the narrative structure, the parallel filings, and the 15-day clock that pressures payday lenders.
By Carmen Ortiz
Rebuild Credit After a Payday Loan Default: A 12-Month Roadmap
Rebuild credit after a payday loan default with a 12-month roadmap: triage your report, build positive tradelines, and graduate to unsecured credit.
By Derrick Washington