For some people who aren’t used to tracking expenses, a budget can be a daunting concept. However, the truth is that budgeting is just a plan that you can use to make sure that you’re not over-spending in any area of your life. With the right budget to guide you, it’s possible to reduce your […]
Credit Cards: The Pros and Cons
Credit cards have a bad reputation, as least to hear most financial planners tell it. Ironically, U.S. consumers currently hold more than 770 million credit cards in their collective wallets. That’s a lot of plastic, and is a clear indication that credit cards are extremely popular among consumers. Many people, unfortunately, don’t handle credit well. […]
Ways to Spend Less on Food
If I were to ask you how much you spend in a month on food would you be able to say? Well by the time you take last month’s debit or credit card statement and add up all of the charges, you may be surprised. If you take it a step further, you can put […]
You Could Be Hurting Your Credit Score More than You Think
If you were asked what was your credit score, or even not to the number, but whether it was ‘excellent’, ‘good’, or ‘poor’, what would you say? Chances are you just assume your credit score is ‘excellent’, until you go to apply for a refinance to lower your interest rate and you’re either charged a […]
How Much Money Are You Wasting Every Month?
The beginning of a new year always brings upon reflection from the previous, wondering if you are where you wanted to be when you looked ahead from last year. Whether it was losing a few pounds, paying off a credit card, or even trying to get a few more books read into the daily routine, […]
Start the Year Off Right With a Boost to Your Credit Score
While interest rates continue to rise, so do home values, so it may be the year where you decide to sell yours and look to move onto the next. Since the high interest rates are already adding quite a bit to the monthly payment, you don’t want your credit score to be the reason why […]
Ways to Take Control of Your Finances
As soon as you started the year to try and make a dent into your credit card debt and start to give your savings a boost, pretty soon it’s December and the year is almost over, making you sit back and review your whole financial picture. If you’re like most,you probably wished you would have […]
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