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Michael Benifez.'s Articles in Personal Finance Show All|Display Category|Title|Newest|Oldest Disposable Income No Debt Spells Freedom While it's not the sole factor in determining your level of wealth, your amount of disposable income is probably a fairly strong indicator. At the very least it indicates your financial planning ability, as a person living above their means will have a lower percentage of their income available as disposable income. There are of course ways to improve your percentage of disposable income, which we'll discuss below. Improve your Credit Rating with a Secured Credit Card There are many choices when it comes to credit cards and credit card providers. You can find any number of companies, each with a variety of plans, interest rates and credit limits on offer. Some of these will be right for you and some of them can result in bad financial decisions. It is important to explore all of your options when choosing a credit card provider. How Live your Life Debt-Free and Still Enjoy Life It can be difficult to live without debt, as it has become the norm to finance cars, higher education and homes with loans and mortgages. If you think there has to be a better way, however, you may be right. You can avoid taking on overwhelming debt - or any debt, for that matter. Using Credit Cards Patterns of Uneducated College Students College is likely the time when a person has their own credit card without direct supervision. This can be a dangerous thing. If a student doesn't understand how fast credit card debt can rack up, they are in for a rude awakening. The credit card company doesn't care who owns the card or their financial experience level. The credit limit on college student cards are lower, which helps to keep debt lower, at least. None of this debt has to do with student loans, though. When any credit card debt at all is mixed with student loans, it seems to magnify the effect. Paying back a student loan and credit card debt racked up while they were a student can be tough, to say the least.

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