Simple Yet Unified Money Management for Small Businesses
In a perfect world, all small businesses would rise and fall based on their products and services. But the logistical challenge of... read more »
By: Mike Senecal • 1/9/25
Mike Senecal draws on more than 20 years of educational and editorial experience to help BadCredit.org readers understand the complexities of the personal finance industry. Mike has worked in academic and trade publishing, including roles as managing editor and technical editor at the University of Florida and as contributor to finance industry publications, including Surety Bond Quarterly and Independent Agent, among others. Mike holds bachelor’s and master’s degrees from the University of South Carolina.
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In a perfect world, all small businesses would rise and fall based on their products and services. But the logistical challenge of... read more »
By: Mike Senecal • 1/9/25
Blog
1,320 views
5 min read
Consumers accept the inconvenience of owning a car because they need transportation at a moment’s notice. But the inflexibility... read more »
By: Mike Senecal • 1/8/25
Guide
7,574 views
9 min read
When something in the financial services industry sounds too good to be true, I don’t mind saying that there’s usually a catch. For example, some... read more »
By: Mike Senecal • 12/23/24
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If David Payne gets himself into trouble, he’s going to be the one to get himself out. For example, after Payne experienced a... read more »
By: Mike Senecal • 12/18/24
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6,315 views
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“Bankruptcy” is a word no one wants to hear when speaking with a financial advisor — or anyone. Yet bankruptcy protections can... read more »
By: Mike Senecal • 12/17/24
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The holidays are a season of giving, but it’s no fun to stretch your dollars beyond the limit. The challenge is creating the... read more »
By: Mike Senecal • 12/11/24
Guide
14,331 views
11 min read
I won’t tell you that making the minimum payment amount required on all your loans is a ticket to Easy Street because it’s not. A minimum payment... read more »
By: Mike Senecal • 12/5/24
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5 min read
Many banks and credit unions are weighing the pros and cons of maintaining a branch presence in an era of digital transformation.... read more »
By: Mike Senecal • 12/4/24
Guide
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You can fix your financial problems, and there are plenty of resources to help. That’s the message I want to get across as we tackle the most... read more »
By: Mike Senecal • 12/3/24
Blog
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One of the biggest challenges when leaving home for college may be securing off-campus housing that puts you where you want to be,... read more »
By: Mike Senecal • 11/26/24
Guide
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Your credit report is like a window into your financial history for all lenders to see. It’s only fair we have a law that turns the tables on... read more »
By: Mike Senecal • 11/21/24
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H&R Block is one of the most trusted names in the tax industry. Decades of experience have led it to recognize that the future for... read more »
By: Mike Senecal • 11/20/24
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Nonprofit social services agencies funded through public/private partnerships are part of the American fabric. Their willingness... read more »
By: Mike Senecal • 11/13/24
Guide
19,360 views
9 min read
They say you never get a second chance to make a good first impression but trust me, that’s not true for credit. Even if you’ve had some credit... read more »
By: Mike Senecal • 10/31/24
Guide
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11 min read
If you’re hiding your money under your mattress, you’re doing it wrong. Financial services can help you grow what you have into something more.... read more »
By: Mike Senecal • 10/3/24
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Member-owned credit unions operate on a not-for-profit cooperative model to offer broader access to financial services than... read more »
By: Mike Senecal • 10/2/24
Guide
45,866 views
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You may find it hard to believe there was ever a time when banks routinely turned down women who applied for credit cards and loans — even when... read more »
By: Mike Senecal • 9/30/24
Blog
34,656 views
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When it comes to college financial planning, it pays to get students involved early. Raise Me helps families with students as... read more »
By: Mike Senecal • 9/24/24
Blog
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Many victims of identity theft, unauthorized credit card charges, and credit report errors feel overwhelmed at the prospect of... read more »
By: Mike Senecal • 9/24/24
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Humans aren’t computers, but when we think systematically about a problem, we’re often able to solve it. Unfortunately, the... read more »
By: Mike Senecal • 9/19/24