Nobody cares more about your money than you, and no one will protect it like you can. However, personal finance can be complicated, and we’re often left to figure it out on our own. If we don’t know much on the subject, things can get out of control fast – but it doesn’t ...
In the past I’ve mentioned how I think it’s kind of messed up that financial education isn’t considered important enough to include in a lot of school curriculums. Money is something we use every day, and we’ll manage our finances until the day we die, yet most of us have to figure it out on ...
Most people aren’t taught about money, and instead, learn how to manage their finances through trial and error. Unfortunately, this approach creates a lot of problems for some people, and they end up making a bunch of money mistakes, especially in their 20s. The good news, though, is ...
Dealing with a debt in collections and a debt collector isn’t fun. Collectors can be persistent and use scary language, so if you’re contacted by one out the blue you might think: Let me pay these people and get them off my back. But this isn’t always the right move…let me explain. ...
Being frugal means different things to different people – and there’s a lot of confusion regarding what it is, and what it isn’t. It involves being more economical with money, so some people have this idea that they can’t spend any money whatsoever or that they have to deprive themselves. ...
Earning more money can sometimes improve a person’s quality of life and minimize some of their day to day stress. The more we earn the easier it is to have affordable, suitable housing and reliable transportation. Plus, we’re able to enjoy experiences and better prepare for the ...
We all know the importance of saving for retirement. This can help us maintain a certain standard of living once we’re no longer working, essentially creating the future we want. And when it comes to saving, the best advice is to START NOW. This gives compound interest more time to work. Some ...
Are you looking to save money? Curb spending guilt? Or maybe you want to spend more intentionally? Let’s be honest, all three are easier said than done. But while the pull to buy something can be strong, asking yourself a few questions can help discern whether a purchase is worth it. So ...
How to Avoid Late Payments and Protect Your Credit Score??? Most people know the importance of paying their bills on time. Late payments can result in late fees, and payment history has a huge impact on credit scoring – making up about 35% of our score. But interestingly, more than 30% ...
While no credit history is better than having bad credit, both situations can hold you back. No credit makes it harder to get a credit card, loans, and even rent an apartment. And if you’re approved for financing without a credit score, you’ll likely pay a higher rate compared to an applicant ...