What is Creditworthiness?

Creditworthiness is a measure of a person’s likelihood and ability to repay their debts. It is one of many measures a lender can use to determine if you will be approved for a new credit card, loan, or line of credit.  Creditors consider several factors to figure out how big of a risk they would be taking by lending you money. The creditworthiness standards and definition may vary slightly between lenders. Some consider your income, how much you owe (liabilities),


How to Pay Off Your Debt Faster

Key Takeaways If your debt is weighing you down, it’s time to break free of it. While you can’t just make it disappear, you can use strategies like debt consolidation and a targeted repayment approach to ease the load, helping


Achieve Financial Stability With A Budget

Wondering where all of your money goes each month? If you’re one of the nearly 30% of Americans who live without a monthly budget, then you’re not alone. If you feel like you’re living paycheck to paycheck or struggling to


3 Essential Financial Habits to Start Today

We all know that physical fitness is an important aspect of maintaining a healthy lifestyle. However, when was the last time you heard about financial fitness? If you want to be financially fit, here are some of the key habits


Making a Budget for Big Ticket Items

If you’ve gotten by just fine without a budget, you might think that you don’t need one at all. But when you start to map out your income and expenses across months, you might be surprised at what you can


Couponing Tips for Non-Couponers

The word “couponing” tends to incite drastic opinions. Most people are either in favor of it (who can live without couponing?!) or very much against it (who has time for that?). If you find yourself veering towards the latter, check

Soapy dog

8 Ways to Keep Pet Care Expenses Under Control

Most of us don’t realize all the costs associated with maintaining our pets, and we tend to only think of costs for food and the occasional visit to the vet. But in reality, taking care of our pets costs Americans


How to Get Through the Tough Financial Times

We all have to go through the tough financial times at one point or another. And the better prepared you are, the less painful it will be to endure. However, this doesn’t make it any easier when you feel like


21 Ways to Pay Off Your Debt Faster

Are you looking for a shortcut to get out of debt sooner? There are two ways to build momentum in your debt repayment efforts. The first way is through the creditors themselves granting you some sort of relief, and the

Jogger lacing

How to Bounce Back from a Maxed-Out Budget

Muscling through a period that requires great discipline – whether it’s sticking to a healthy eating plan or a budget – is sometimes followed by an itch to throw all previously agreed upon rules out the window. Let’s look at

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