If saving money were easy, then most would not be living paycheck to paycheck and everyone would have an emergency fund, no credit card debt, and a solid retirement savings.  The truth is, it takes hard work, patience, and discipline in order to really have more money staying in your account as it is going […]

Whether you have applied for a mortgage, auto loan, or a credit card, you know that your credit score is not only the deciding factor of whether you’re approved or not, but also at what interest rate you’re approved for.  The higher the rate, the more you pay every month, so instead of wasting away […]

If you have applied for any sort of application where credit is pulled, such as for a mortgage/refinance, personal or auto loan, credit card, even insurance rates, you know that your credit score not only is a deciding factor in whether or not you’re approved in the first place, but also at what interest rate […]

The days go by pretty fast, between work, social, and family obligations, there doesn’t leave much time to work on, well, you.  When it comes to finances, making sure the bills are paid on time is important, but there also needs to be a focus on saving for the future, even it is decades away […]

It used to be that credit cards had a bad reputation, after all, if you’re not careful with your spending you can quickly fall into debt and struggle to get out.  While it’s nice that you can charge throughout the month and the statement balance isn’t due until next month, you get to save up […]

It can actually be argued that credit cards could be used for every purchase, provided you can pay off what you charged for the month, if not for the rewards in itself.  By even making the purchases that you were going to make anyways, you can earn points or cashback that would otherwise be free […]