John Schmoll

Omaha

Co-Founder at Frugal Rules

Writer at Freelance

#Freelance #Writer, K-State Fan in #Omaha. For more, check out @FrugalRules https://t.co/V8OVEsoJbb

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Articles

What is a credit card hardship program and how do you qualify?

1 week ago | cardratings.com | John Schmoll

Growing credit card debt is always a concern, most notably when facing other acute financial situations like job loss or onerous medical bills. Just getting some temporary relief can make the difference to help you begin the road to paying off debt entirely. Many credit card companies offer hardship programs to provide a way for customers to receive temporary assistance. This guide explains credit card hardship programs and their potential for debt relief.
5 Big-Ticket Items To Purchase Before Trump's Tariff Pause Ends in July

1 week ago | gobankingrates.com | John Schmoll |Jenna Klaverweiden

Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
Barbara Corcoran Just Lost $1 Million on Her Home — How To Avoid Her Real Estate Mistake

1 week ago | gobankingrates.com | John Schmoll |Cory Dudak

Image Press Agency/NurPhoto / Shutterstock / Image Press Agency/NurPhoto / Shutterstock Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
5 Reasons a Personal Loan Is the Right Choice To Tackle Your High-Interest Debt

2 weeks ago | gobankingrates.com | John Schmoll |Rebekah Evans

June 12, 2025 3 min Read Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
Would Dave Ramsey Finance a New Car? 5 Things He Says About Big Auto Purchases

2 weeks ago | gobankingrates.com | John Schmoll |Jenna Klaverweiden

June 12, 2025 4 min Read Hispanolistic / iStock.com Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
Debt forgiveness myths not to fall for

2 weeks ago | cardratings.com | John Schmoll

Credit card debt plagues many Americans, keeping them from achieving their financial goals. Several resources are available to assist people in paying off debt, each with its own pros and cons. Debt forgiveness is one such tool, but it’s not for everyone, nor is it a quick fix. If you’re wondering how credit card debt forgiveness works, it’s important to avoid certain myths that may keep you from pursuing other money goals.
5 Ways You Can Save Money at Taco Bell That You May Not Know About

2 weeks ago | gobankingrates.com | John Schmoll |Angela Corry

June 8, 2025 4 min Read Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
3 False Alarms That Sent the Stock Market Into a Frenzy (And How To Protect Your Money)

3 weeks ago | gobankingrates.com | John Schmoll |Zuri Anderson

Nattakorn Maneerat / iStock.com Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology. 20 YearsHelping You Live RicherTrusted by Millions of ReadersThe stock market is often driven by emotion.
What is penalty APR and how to avoid it

3 weeks ago | cardratings.com | John Schmoll

Credit cards typically don’t have one APR. You can incur one APR for purchases, while triggering a different one if you take a cash advance. If you face the unfortunate situation of missed payments or exceeding your credit limit you may activate a penalty APR, making repaying indebtedness burdensome.
The 10 Best States To Retire at 40 That Don’t Require You To Be a Millionaire

3 weeks ago | gobankingrates.com | John Schmoll |Zuri Anderson

fizkes / Getty Images/iStockphoto Commitment to Our ReadersGOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.