Category: Financial Tips

The Concern: Dealing with constant stress from collection calls, mounting late-fees, and over-the-limit penalties that inflate total balances is a serious issue to have to deal with. It can be overwhelming and unrelenting. People understandably want it to stop, but often don’t …

Unsecured debt is debt that is not secured by some kind of collateral. Common types of unsecured debt include credit card debt and medical bills. Unsecured credit card debt typically has a higher interest rate than an unsecured card, because there’s no …

Got credit card debt? Nearly half of all credit card holders do. Credit card debt is almost at an all time high of $1.3 trillion. The average individual card balance is around $7,000, with over 21% of credit card holders owing a …

Mistakes are a part of life. Unfortunately, financial mistakes can be expensive, so it’s best if we can avoid making them. Here are a few common money mistakes that we all ought to aim to avoid. Living beyond our means. If we spend more than …

Did you know that federal tax refunds this year are expected to be, on average, about $1,000 more than tax refunds were last year? More money is always nice, but it can also be more money to mismanage if we’re not careful. …

As the new year gets underway, it’s a good time for us to take a look at our finances. Setting some goals for the year is important. Once you’ve created your goals, tracked your spending, and created a budget, you’ll want to …

Why budget? To reach our goals! Budgeting keeps us on-track to reach our goals. The easiest way to start is just to keep it simple. Here are a few things that can help: 1. Pick a Simple Method There are many different …

It won’t happen overnight, but establishing good credit can be done with a little bit of time and consistent effort. Here are the best, proven ways to build and maintain strong credit: 1. Apply for a Credit Card If you have no …

Managing debt effectively involves organizing your finances, having good financial strategies, and having the discipline to work at and maintain good practices. Here’s how you can tackle it: 1. Know What You Owe Make a complete list of your debts. This should …

A higher credit score will typically allow you to qualify for a loan or credit card, as well as get you a better interest rate. Better credit can save you money. A lot of money. So how can you increase your credit …