For an individual with some free time, a part-time or full-time job on the side might be helpful with financial problems. An individual, who is working full-time or part-time, may still have plenty of time to take on another job. When planning for the future is possible, a college education may prove to be the best Also known as bank holidays; federal holidays are calendar dates on which financial institutions are closed.

While Federal employees and the general public enjoy taking time off, bank holidays sometimes coincide with installment payment due dates. The federal holidays established each year through the Federal Reserve Bank, known as the Fed. The Truth in Lending law makes creditors, banks, and other lending institutions tow the line when it comes to charging borrowers fair interest rates and implementing fair policies for payment due dates, collection processes, grace periods and interest penalties.

Since payments cannot be posted on dates banks are closed, an essentially timely payment could be assessed as late. Because of the high cost of financing, consumers are already burdened with high interest installment payments. Unscrupulous creditors who add frivolous fees for payments declared late due to bank holidays take unfair advantage of individuals who strive to pay on time and maintain a good credit reputation.

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