Perfect Bad Credit Loans has been around the block for a while, so we know how the economy has evolved, personal finances included. Our money philosophy revolves around budgeting, cutting our spending, and maximizing our savings.

We love helping people and enjoy working with finances. We run this blog purely to help others and do it completely for free.

This site is designed to help people with their money. The level of savings in the United States is horrible, and we have a student loan crisis and retirement crisis that needs to be dealt with.

Here are some statistics that’ll illustrate this point:

  • Only one-third of Americans keep a monthly budget
  • Almost 70% of Americans would struggle with a $1000 emergency
  • Total household debt is over $4 Trillion
  • The current savings rate is 5.6%
  • 35% of people have at least one credit card or loan in collections
  • Median retirement savings for working families is only $5,000

We want to help people to become better at managing their finances. This will be done by want educating people and improve their understanding of personal finance.

We have a segment on the blog where we provide ways to save money, make money, and grow money. This provides a different perspective to help people relate and learn.

We post on a weekly basis and accept guest contributions here.

If you have any questions or comments, please don’t hesitate to contact me.

I hope you get a lot out of this page, and if you have more questions or need extra help, please let me know. I look forward to learning and growing with you.

Thanks for reading!

— Perfect Bad Credit Loans Team