Self-Help Articles

4 Tips to Saving for a Big Goal

So, you’ve got your eye on a new car. Or you want to finish your college education. Or you’re celebrating a wedding anniversary with a lavish European vacation. If you’re like most of us, you don’t have the cash to shell out for such expenses...

Getting to a Good Credit Score

A credit score is a number that helps lenders predict how likely you are to repay a loan on time. Banks and other lenders look to your credit score to decide whether to lend you money – be it a mortgage, a line of credit,...

Best Tricks to Stick to a Budget

You surely know all about the values of a personal budget. We’ve said it before, and we’ll say it again: Budgeting builds financial stability – both day-to-day and long-term. Tracking your expenses and following a spending plan makes it easier to pay your bills on...

Methods for Paying Down Debt

If you are in debt, you may feel like you are running on a treadmill: Every month, you pay a little to this credit card, a little to that loan, and eventually, you feel like you are getting nowhere. It doesn’t have to be that...

Emergency Fund FAQs

If you’re reading this article, you either a.) have an emergency fund and want to check if you’re “doing it right,” b.) intend to set one up and need advice, or c.) never heard of an emergency fund and got scared that you’re missing out....

How Bad Credit Can Hurt You Financially

Most people understand that having bad credit can negatively affect their ability to borrow at a decent interest rate. But a recent study conducted by Nerd Wallet shows that most people don’t fully understand how a bad credit score can affect their everyday lives. And...

Charge-Off FAQs

If your credit is in good standing and you don’t fall behind on your debt payments, you might never encounter the term “charge-off.” But if you fell behind on payments for a credit account, your lender might contact you to inform you that your debt has...

Good vs Bad Debt

Not all debt is created equal. In fact, some debt can make you more financially stable, while other types of debt can sink you further into a financial hole. If you’re looking to get your financial life in order, you must understand the difference between...

Creating a Budget Using an App

Are you constantly wondering where all your money is going? You are not alone if you try to budget but seem to fall off the wagon most months. According to a recent study, over 55% of Americans do not track where they spend their money. Creating...

How to Avoid Predatory Lenders

When looking for a loan, many borrowers opt for the fastest and easiest way to get their hands on the cash. But that approach might make you prey to predatory lenders. What are predatory lenders, you ask? More importantly, how do you avoid them? What Are...