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),

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How to Evaluate Financial Priorities

Start with a Wishlist If you’re not sure where to start, here’s what you should do: Start with a wishlist. What would you really love to see happen in your financial life? Do you have debt to pay off? A

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Following a Financial Plan While Living Paycheck to Paycheck

Pithy sayings about a dollar a day and soundbytes of financial wisdom feel completely useless when you’ve been hit with financial hardship. The idea of an emergency fund seems laughable because you feel as if you’re living in an emergency


Follow These 4 Steps to Finally Put Your Money Stress to Rest

Stress and worry begin in the mind as troubling thoughts, but they can quickly snowball into physical ailments such as headaches, high blood pressure, and heart problems. In fact, according to the American Institute of Stress, as many as 90%

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The Powerful Impact Unhappiness Has On Your Money

When we don’t feel equipped to shift our thinking, we tend to immediately turn to our environment for comfort. This usually comes in short-lived bouts of instant gratification – spending money on something that will make you feel better. Or


When Life Gets Tough, How To Keep Your Head Above Water

It is important to remind yourself that you will not always be in this financial situation. If you are unemployed or underemployed, avoid the trap of falling into binges of Seinfeld reruns with scoops of ice-cream on top. You need

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How to Give Yourself a Clean Slate With Your Finances

It’s always easy to judge yesterday’s mistakes with the wisdom and understanding you have today. In truth, the mere fact that you can recognize past mistakes means that you learned what you were supposed to learn from those situations and


Money Avoidance: How to Get to the Root of the Problem

Facing money woes head on can be incredibly intimidating and scary. Instead of sitting down and thinking about the full scope of the problem and the steps you can take to move down a better path, we’d rather allow unopened


Watch What You Say About Money, It Actually Matters

Words can have a huge impact on how we think, act, and feel. If a coworker harshly criticizes our work, it has the power to shift our attitude the rest of the day. If a close friend expresses how much

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