Marcus Chen

Marcus writes about budgeting for people who hate budgeting. He helps you find spending leaks, break impulse habits, and build simple systems that catch the big stuff without tracking every single penny.
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134 Articles

Is It Better to Lease or Buy a Car When You Are on a Family Budget

Leasing a car costs less per month and almost always costs more over time,…

How to Get Paid for Things You Already Do at Home

There are a small number of legitimate platforms that pay for activities most families…

How to Make Money Renting a Room in Your House — What to Know First

A spare bedroom sitting unused is one of the most underutilized income assets a…

How to Sell Your Clothes Online and Actually Make Decent Money

Most people who try selling clothes online make a small amount from a few…

How to Turn Unused Gift Cards Into Cash

Americans leave over $21 billion in gift card balances unredeemed every year, and that…

How to Make Money From Home With Kids Underfoot — What Actually Works

The reason most work-from-home advice fails mothers of young children is that it assumes…

Charge-Off vs Collection Account — What the Difference Means for Your Credit

A charge-off and a collection account often appear together on a credit report from…

How to Negotiate With Debt Collectors — What to Say and What Not to Say

Third-party debt collectors typically purchase old debts for 1 to 10 cents on the…

How to Get a Collection Account Removed From Your Credit Report

A collection account on your credit report will stay there for 7 years from…

What Happens If You Stop Paying a Credit Card — The Real Timeline

Most people who stop paying a credit card do not fully understand what is…

How Long Does It Take to Rebuild Credit After a Late Payment

One late payment, thirty days past due, can drop a good credit score by…

How to Start Investing When You Only Have $50 a Month

The barrier to starting investing is not the amount of money. It is the…

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