{"@context":"https:\/\/schema.org\/","@type":"CollectionPage","@id":"https:\/\/moneydoneright.com\/personal-finance\/#CollectionPage","headline":"Personal Finance Category","description":"","url":"https:\/\/moneydoneright.com\/personal-finance\/","hasPart":[{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/refinance-student-loans\/","headline":"5 Best Banks to Refinance Your Student Loans in 2025","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/refinance-student-loans\/","datePublished":"2020-02-06","dateModified":"2025-02-05","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/refinance-student-loans\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/stephanie-colestock\/#Person","name":"Stephanie Colestock","url":"https:\/\/moneydoneright.com\/author\/stephanie-colestock\/","identifier":32,"description":"Stephanie Colestock is a personal finance expert and writer who enjoys teaching people how to be financially independent and confident about their money choices, regardless of obstacles in their path (such as the crippling student loan debt she once held). Stephanie graduated from Baylor University, and is currently working toward her CFP certification. Her work can be seen on sites such as Forbes, Dough Roller, and Johnny Jet, among many others.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/442d6c6189f0b39f0b5a2095037d8c576284f3705ffef7d6098f21fa4289967e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/442d6c6189f0b39f0b5a2095037d8c576284f3705ffef7d6098f21fa4289967e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/08\/shutterstock_5321566932.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/08\/shutterstock_5321566932.jpg","height":1680,"width":2521},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/discover-bank-review\/","headline":"Discover Bank Review 2025","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/discover-bank-review\/","datePublished":"2020-02-03","dateModified":"2025-01-08","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/discover-bank-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Discover-Bank-Review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Discover-Bank-Review.jpg","height":460,"width":1900},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/how-to-boost-your-retirement-savings\/","headline":"7 Ways to Boost Your Savings Before Retirement","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/how-to-boost-your-retirement-savings\/","datePublished":"2020-02-03","dateModified":"2023-02-23","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/how-to-boost-your-retirement-savings\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/danielle-k-roberts\/#Person","name":"Danielle K. Roberts","url":"https:\/\/moneydoneright.com\/author\/danielle-k-roberts\/","identifier":39,"description":"Danielle Kunkle Roberts is a founding partner at Boomer Benefits<\/a><\/strong>. A nationally recognized expert in the Medicare insurance industry, Danielle is a member of the Forbes Finance Council<\/a><\/strong>, where she frequently writes about Medicare and other baby boomer-related personal finance topics. Learn more about Danielle.<\/a><\/strong>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/63f9e966bd15abb3433f62b72ce78b1febfd0c1fa52661fc327e3bb14eb862a6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/63f9e966bd15abb3433f62b72ce78b1febfd0c1fa52661fc327e3bb14eb862a6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/12\/seven-strategies-retirement-savings.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/12\/seven-strategies-retirement-savings.jpg","height":630,"width":1702},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/money-saving-challenge\/","headline":"Try This Ridiculously Simple 14-Day Money Saving Challenge for 2025","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/money-saving-challenge\/","datePublished":"2020-02-02","dateModified":"2025-02-05","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/money-saving-challenge\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/megan-wells\/#Person","name":"Megan Wells","url":"https:\/\/moneydoneright.com\/author\/megan-wells\/","identifier":12,"description":"Megan Wells is a data journalist and content strategist based in San Francisco, California. Wells currently focuses on personal finance, mortgage, and business related content. Wells' work has appeared on Fox, Nasdaq, MSN, Motley Fool, and many local newspapers. Wells also spoke at the 2015 Exceptional Women In Publishing conference.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/416ac1085ad6a3583ab1105fca9700f673740d27078d7ffcd5ae399a70e61307?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/416ac1085ad6a3583ab1105fca9700f673740d27078d7ffcd5ae399a70e61307?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Saving-Challenge.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Saving-Challenge.jpg","height":460,"width":1900},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-student-discounts\/","headline":"61 Best Student Discounts for 2025","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-student-discounts\/","datePublished":"2020-02-02","dateModified":"2025-02-05","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-student-discounts\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"description":"Logan is a practicing CPA and founder of Choice Tax Relief<\/b><\/a> and of course Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Best-Student-Discounts.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Best-Student-Discounts.jpg","height":460,"width":1900},"keywords":["schema"],"commentCount":"3","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-student-discounts\/#Comment1","dateCreated":"2021-11-15 01:29:24","description":"Hi Logan, \n\nGTS Translation is an international company that provides certified translation services of legal documents, medical reports, immigration documents and more in over 80 languages. We are offering a 12% discount on all translation services to students. The discount can be redeemed using coupon code UNISAVE12. To order translation services online 24\/7, go to our website at www.gts-translation.com.<\/span>","author":{"@type":"Person","name":"Mark Jordan","url":"https:\/\/www.gts-translation.com\/"}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-student-discounts\/#Comment2","dateCreated":"2021-08-29 20:24:31","description":"Hey Logan, College Discount App is really popular with students and the difference is that it offers local discounts at select campuses from the \u2018mom and pop\u2019 types of restaurants , that they negotiate the deals directly with the popular independently owned businesses around campus which no other app has !","author":{"@type":"Person","name":"Bruce","url":"http:\/\/Collegediscountapp.com"}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-student-discounts\/#Comment3","dateCreated":"2020-12-17 07:09:42","description":"Let me disagree","author":{"@type":"Person","name":"Lindsey Gleim","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/living-on-one-income\/","headline":"17 Secrets to Living on One Income (Without Being Rich)","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/living-on-one-income\/","datePublished":"2020-01-31","dateModified":"2025-03-20","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/living-on-one-income\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/josh-patoka\/#Person","name":"Josh Patoka","url":"https:\/\/moneydoneright.com\/author\/josh-patoka\/","identifier":46,"description":"Josh Patoka is a father of three who left his corporate job with a 70+ hour-a-week job to pursue self-employment in 2015. Today, he writes about frugality, paying off debt, and making extra money for several blogs including MoneyBuffalo.com. His goal is to help others \u201cafford to quit their job\u201d to achieve a better work-life balance.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/463db8f06cfc56c692d59cefeaba197f1c0cc65e02255afff269c683a2531ade?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/463db8f06cfc56c692d59cefeaba197f1c0cc65e02255afff269c683a2531ade?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/living-on-one-income.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/living-on-one-income.jpg","height":460,"width":1900},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/retiring-in-vietnam\/","headline":"How to Save Money by Retiring in Vietnam","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/retiring-in-vietnam\/","datePublished":"2020-01-20","dateModified":"2021-09-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/retiring-in-vietnam\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/freya-kuka\/#Person","name":"Freya Kuka","url":"https:\/\/moneydoneright.com\/author\/freya-kuka\/","identifier":52,"description":"Freya Kuka is a contributor to various digital marketing publications, and specializes in B2B (business-to-business) writing for various industries. You can get in touch with her via Twitter @freyakuka28, or by visiting her website: collectingcents.com.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/95b4cf490205e440fdab56e3e2aa1a0becd2536c98d7b0115416949eb05f7a47?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/95b4cf490205e440fdab56e3e2aa1a0becd2536c98d7b0115416949eb05f7a47?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/retiring-in-vietnam.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/retiring-in-vietnam.jpg","height":460,"width":1900},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/how-to-get-out-of-payday-loans\/","headline":"8 Ways to Legally Get Out of a Bad Payday Loan","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/how-to-get-out-of-payday-loans\/","datePublished":"2020-01-16","dateModified":"2021-09-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/how-to-get-out-of-payday-loans\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-get-out-of-payday-loans.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-get-out-of-payday-loans.jpg","height":630,"width":1702},"keywords":["youtube","podcast","schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/","headline":"How to Remove Late Payments From Your Credit Report","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/","datePublished":"2020-01-16","dateModified":"2021-09-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-remove-late-payments-credit-report.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-remove-late-payments-credit-report.jpg","height":960,"width":1440},"keywords":["schema"],"commentCount":"2","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/#Comment1","dateCreated":"2023-05-25 06:06:20","description":" My husband is a veteran from the Airforce and he had Colin cancer surgery almost 2 years ago and mini strokes and we are really tired of moving and renting and having slum lords. We were working to get his credit score raised (a lot of the collections are for medical) . His score was a little under 500. He requested V A loan but was not granted due to his not so perfect score. All effort to get it done via the federal credit Bureau was proved abortive and we needed this badly. Thank God for Wendy, a neighbor who referred us to this man Cybers space, he helped us eliminate all debt on the credit report and improved his score to 810 (Excellent). My Husband requested for the V A loan again and was granted. That was when I believed this guy had really done a great job on his credit which he also confirmed from the 3 credit bureaus. Thanks cybspace279@gmail.com ","author":{"@type":"Person","name":"Sarah Kelly","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-remove-late-payments-from-credit-report\/#Comment2","dateCreated":"2022-09-24 07:18:23","description":"My credit score was a 840 and around last year August I woke up to 550. My credit history has been stellar for over 20 years. Apparently there was an $8.00 charge 60 days past due on a chase account. Due to COIV 19 and a lost of job and relocation, I never received the letter saying that I typed in the wrong number on the routing and therefore the payment was never received. I immediately called in paid all the fees ( more than $8), paid it up to date and closed it but it had affected my credit very bad, I did all I could to get my credit score to normal but all effort didn\u2019t yield any result for months until I met a Credit expert who had worked closely with Credit companies last year November on Youtube. I contact his official email (tom.lawrence114 @gmailCom) I explained to him I want to to buy a home and start a family but I was denied due to my low credit score, he told me he would fixed my credit and get me back or above my formal credit score, I taught it was all a joke until we both got a deal. I complied and work with him while he was helping me out, after he was done he told me to check my credit score, I was amazed my score increased to 850 on Equifax I checked Experian and TransUnion they are all increased as well. I will be spending the next 7 years telling people the story of how you help me restore my life filled with promise of a family, above all Thank you Tom!","author":{"@type":"Person","name":"Patty campbell","url":""}}]}]}