Do you understand the value of a credit score? More importantly, do you know what affects your credit score? A credit score determines the creditworthiness of an individual. It’s a numerical value based on information provided on your credit file or credit report. Some people don’t give much ...
What is private mortgage insurance (PMI) and how to avoid it? Some people postpone buying a home because they think they need a 20% down payment. Yes, this is a traditional down payment amount. But surprisingly, many people purchase homes with far less cash. The good news is that several ...
Looking for simple, inexpensive ways to travel more? If you’ve got the travel bug, learning how to travel on the cheap can put more vacations within reach—which is NEVER a bad thing. A change of scenery is a chance to relax and refresh mentally. This can make you a more productive and happier ...
How to pay off credit card debt…when you’re short on cash? Too much credit card debt can cause emotional stress, physical stress, and it might strain your relationship. In addition, this financial burden can lower your credit score and make it harder to achieve other goals – ...
What does it mean to automate your savings, and how do you automate? I can’t stress the importance of a regular, consistent savings schedule. A savings account provides greater security by breaking the cycle of living paycheck to paycheck. Saving early in life can also provide a healthy ...
5 of the biggest money saving mistakes… Saving money can be one of the hardest things we do. Even with a well-thought out savings plan, life doesn’t always go the way we want it. Unexpected expenses, rising costs, and loss of income can make it harder to hit our goals. But while ...
5 Things to Do Differently With Your Money…Starting TODAY!!! Increasing our knowledge and understanding of how money works is critical to managing it better. This isn’t all we can do, though. Little things that we don’t also think about matter too. So if you want to be better with ...
How to be better with money (sometimes, you just need a new plan) I can’t count the number of times I’ve heard people refer to themselves as being bad with money, and they often make statements like “I’ll always be broke” or “I’ll never get ahead.” But ...
How to splurge without feeling guilty (and without going broke)?!? Splurging is the act of freely spending money on some type of indulgence or pleasure – both costly and inexpensive. It can be dining at a pricier restaurant, buying a pair of shoes or a handbag, enjoying a spa day, or ...
10 money saving challenges to try this year!! I know how you guys like to save money, so here are a few ways to get creative with your money saving challenges this year. 1. Multi-purpose challenge This is an excellent challenge for saving money AND reducing clutter because it involves buying ...