{"@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\/credit\/borrowell-review\/","headline":"Borrowell Review 2025: Can Canadians Check Their Credit Score for Free?","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/borrowell-review\/","datePublished":"2020-01-02","dateModified":"2025-03-09","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/borrowell-review\/","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\/2018\/09\/Borrowell-Review.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/09\/Borrowell-Review.png","height":430,"width":825},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/","headline":"Credit Sesame Review 2025: Is Credit Sesame Legit or a Scam?","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/","datePublished":"2020-01-02","dateModified":"2025-03-09","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/rachel-morey\/#Person","name":"Rachel Morey","url":"https:\/\/moneydoneright.com\/author\/rachel-morey\/","identifier":10,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e86277b0c2bb31fa47158365e8c140d2f8d181d9128d298388c6d428eaaa575?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e86277b0c2bb31fa47158365e8c140d2f8d181d9128d298388c6d428eaaa575?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\/2018\/07\/Credit-Sesame-Review.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/07\/Credit-Sesame-Review.png","height":430,"width":825},"keywords":["schema"],"commentCount":"3","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/#Comment1","dateCreated":"2023-05-26 17:22:07","description":"WARNING: Credit Sesame is the WORST credit builder company in existence. In sum, they care more about their PROFITS than actually helping people build their credit. Here's why:\r\n\r\nSo I was in financial ruin (owed too much credit card debt, thousands in medical bills, multiple lawsuits, and eventually becoming bankrupt) so I needed to get back on my feet and fix my financial life. \r\n\r\nI thought the Credit Sesame Cash card was the perfect card for me in order to get me back up and improve my credit score because it was affordable (free to apply and no annual or monthly fees), it didn't require good credit score in order to get accepted, and, most importantly, help build your credit by providing you with the credit line you need in order to use it (which helps build your credit history), pay it back on time (which helps build your trustworthiness and financial responsibility), slowly increase your credit limit (which increases your credit score), and last but not least grow your credit age by keeping your credit account OPEN. \r\n\r\nUnfortunately, last week (5\/19\/23), after growing my credit for almost two years, Credit Sesame sent me this email:\r\n\r\n\r\n\r\nAs a valued Sesame Cash account holder, we want to give you advance notice of new account fees* effective June 15, 2023 or after.\r\n\r\nThe new fee structure is designed to ensure active users can still enjoy free banking services. Account holders who make a direct deposit of at least $500 or spend more than $1,000 during each monthly billing period continue to benefit from no monthly or inactivity fees.\r\n\r\nAccount holders making a direct deposit under $500 or spending under $1,000 during each monthly billing period are charged a monthly fee of $9.99.\r\n\r\nAccount holders with no money movement in or out of their accounts pay the monthly fee plus $3.00 for every 30 days of inactivity.\r\n\r\nThank you for being a loyal supporter of Sesame Cash. We look forward to sharing new features and benefits with you in the near future.\r\n\r\nBy continuing to utilize the services, you agree to the Sesame Cash Terms of Service and Sesame Cash Cardholder Agreement. If you do not wish to accept, you may choose to close your account. \r\n\r\n\r\n\r\n\r\nWas that a bait and switch move? Bait me with free credit builder accounts and then, a few years later, switch it with the same accounts but with monthly fees and other rules to get your money. And if I don't accept, I should close my account, which holds my whole credit history since its the only credit card I have.\r\n\r\nConsequently, You know what happens when you close your credit card account? Your credit score goes way down and you need to start your credit history all over again from scratch. This company doesn't care about your credit score and just wants to make extra money. Now it is going to take me two years to get back where left at. You know how hard it is to buy a home? To get a mortgage? To raise your credit to excellent in order to actually afford the mortgage? \r\n\r\nThey could have at least applied the new rule to NEW customers instead of the current ones since we didn't agree to monthly fees (I would have chosen another credit builder if that was the case). Unfortunately, due to Credit Sesame's greed and immoral business tactics, I need to close my account and toss my two-year credit history in the trash with it. \r\n\r\nThat is how Credit Sesame treats their valued customers. Valued indeed.","author":{"@type":"Person","name":"Messi","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/#Comment2","dateCreated":"2019-07-28 20:17:23","description":"Please help I was dumb it was posted about credit help so put social on know better then this please please help me!!Thank You","author":{"@type":"Person","name":"Lori","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/#Comment3","dateCreated":"2019-07-02 13:44:04","description":"I like to see my credit score please","author":{"@type":"Person","name":"Nico","url":"http:\/\/good"}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/trim-review\/","headline":"Trim Personal Finance Bot Review 2025: What Is Trim and Is It a Scam?","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/trim-review\/","datePublished":"2020-01-01","dateModified":"2025-03-27","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/trim-review\/","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\/2018\/11\/Trim-Review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/11\/Trim-Review.jpg","height":430,"width":825},"keywords":null,"commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/trim-review\/#Comment1","dateCreated":"2022-07-29 12:22:07","description":"Hey Logan, I gave a Trim a try. About a week or two after signing up I started to get spam texts on my phone (phishing attempts) trying to get me to tap a link to what I suspect was a bad place to visit. My suspicion was aroused when the spam text annouced that $3246.28, or there abouts, was being deposited into my account. So either Trim is running a scam themselves or selling the info they get to make a few bucks.","author":{"@type":"Person","name":"Jay Gregory","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/qapital-review\/","headline":"Qapital Review: It’s No Longer Free, So Is It Still Worth It?","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/qapital-review\/","datePublished":"2020-01-01","dateModified":"2023-04-07","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/qapital-review\/","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\/10\/Qapital-Review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/10\/Qapital-Review.jpg","height":430,"width":825},"keywords":["youtube"],"commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/qapital-review\/#Comment1","dateCreated":"2021-08-21 06:49:12","description":"STAY AWAY from this company. They are like an underworld organization -- once you sign up you will NEVER be able to cancel. I have been trying to cancel my account for weeks and it is impossible. They will not cancel my account until I have a zero balance, but thdespite my turning off all transactions and complaining to my bank they continue to debit my checking account ! So they've set up a catch-22 where it is impossible to cancel. You will NEVER be able to connect with a human being ever. SAVE YOUR SANITY! SAVE YOUR MONEY! STAY AWAY.","author":{"@type":"Person","name":"Cathleen Cummings","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/cheap-places-to-travel\/","headline":"31 Cheap (and Beautiful) Places to Travel in 2025","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/cheap-places-to-travel\/","datePublished":"2020-01-01","dateModified":"2025-01-08","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/cheap-places-to-travel\/","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\/Cheap-Places-to-Travel.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Cheap-Places-to-Travel.jpg","height":460,"width":1900},"keywords":null},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/financial-health\/","headline":"Improve Your Financial Health – A Step-by-Step Guide for 2025","url":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/financial-health\/","datePublished":"2020-01-01","dateModified":"2025-03-11","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/financial-health\/","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\/2019\/02\/financial-health.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/financial-health.jpg","height":721,"width":1000},"keywords":null},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/consumer-scams\/","headline":"10 Scams to Watch Out For","url":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/consumer-scams\/","datePublished":"2019-12-27","dateModified":"2023-04-07","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/consumer-scams\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/jon-dulin\/#Person","name":"Jon Dulin","url":"https:\/\/moneydoneright.com\/author\/jon-dulin\/","identifier":34,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/648ebdce1e98dff728b03045d5ad83e6bdafc140341a4ae782fbe0d05809367d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/648ebdce1e98dff728b03045d5ad83e6bdafc140341a4ae782fbe0d05809367d?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\/09\/top-10-scams.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/09\/top-10-scams.jpg","height":960,"width":1440},"keywords":["youtube","podcast"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/how-to-pay-off-christmas-debt\/","headline":"How to Pay Off Christmas Debt: 6 Tips to Dig Yourself Out","url":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/how-to-pay-off-christmas-debt\/","datePublished":"2019-12-26","dateModified":"2021-09-30","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/building-wealth\/how-to-pay-off-christmas-debt\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/alex-mcomie\/#Person","name":"Alex McOmie","url":"https:\/\/moneydoneright.com\/author\/alex-mcomie\/","identifier":31,"description":"Alex McOmie is a freelance writer for Money Done Right. He joined the Money Done Right editorial team in summer 2019. Learn more about Alex.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eed3b4ac86b2b0da5b20cc3f40d9dd6773d4a7eb37e07b239da297ee0918c3c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eed3b4ac86b2b0da5b20cc3f40d9dd6773d4a7eb37e07b239da297ee0918c3c?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":null,"keywords":["youtube","podcast"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-things-to-buy-after-christmas\/","headline":"13 Best Things to Buy After Christmas (and 4 Things You Shouldn’t)","url":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-things-to-buy-after-christmas\/","datePublished":"2019-12-25","dateModified":"2021-09-30","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/saving-and-budgeting\/best-things-to-buy-after-christmas\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/alex-mcomie\/#Person","name":"Alex McOmie","url":"https:\/\/moneydoneright.com\/author\/alex-mcomie\/","identifier":31,"description":"Alex McOmie is a freelance writer for Money Done Right. He joined the Money Done Right editorial team in summer 2019. Learn more about Alex.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eed3b4ac86b2b0da5b20cc3f40d9dd6773d4a7eb37e07b239da297ee0918c3c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eed3b4ac86b2b0da5b20cc3f40d9dd6773d4a7eb37e07b239da297ee0918c3c?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":null,"keywords":["youtube","podcast"]}]}