Most consumers understand the importance of having good credit. Your credit score and history are considered in several aspects of your life. Those with a higher score are rewarded with better interest rates while those with bad credit struggle to find a lender willing to extend credit. Beyond your financial life, your credit history may [...]
How many times have you said to yourself, “if I only knew then what I know now”? As an adult, we all know that hindsight is in fact 20/20. If we could only turn back the hands of time and get a do-over in some aspects of our lives, many people would be in a [...]
Saving money is an important part of managing your personal finances. When people think of saving money there are two different strategies, the first is the actual act of saving money when making day-to-day spending decisions. The second is taking that money you have saved and applying it toward some type of savings vehicle that [...]
Handing over the plastic has become a habit in the twenty first century. Gone are the days of saving well worn bills and tarnished coins to safely and gratifyingly pay for something. Welcome the days of instant gratification. Are credit cards really necessary? Building Credit New home owners trying to get loans require some form [...]
Checking your credit history and being aware of your rights is one of the most important steps as a borrower. It is recommended that consumers check their credit history minimally one time a year. The three main credit reporting agencies are Equifax, Experian and TransUnion. These credit bureaus are required to provide consumers with one [...]
Starting out on the right financial foot is a great way to make headway into a solvent economic future. Take the following quiz to see if you are on the right track to financial success. 1. Do you have a budget set up? Creating a monthly budget and sticking to it is a great way to [...]
Deciding just how much to spend on housing can leave you feeling like Goldilocks and her porridge… too much house can use up all your disposable income leaving you house poor and too little house may leave you feeling cramped after just moving in. Finding a happy medium on how much to spend on a [...]
So many people have succumbed to credit card debt and other forms of debt because they do not realistically think that they can save the cash needed to make a big purchase, or they feel they can not wait through the time it takes to have enough cash saved up. But both statements are not [...]
During the recent financial crisis that hit individuals hard all across the nation, there were consistent tips coming in from money experts across the country in the newspapers, magazines, and on the internet. Their resounding theme was the same – in order to regain control of your money – you’ve got to budget your money.
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