When to Pay Off Your Credit Card Bill

When it comes to using a credit card responsibly, it’s important to understand when to pay off your credit card bill. Carrying a balance on your credit card may lead to high interest charges and/or potentially negatively impact your credit score, making it more difficult to get approved for loans or credit cards in the future. On the other hand, paying your bill on-time – or early – and in full each month may help you establish a positive credit

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What Happens When Debt Goes to Collections?

Anyone who has fallen behind on credit card payments, or loan payments, or other types of outstanding debt, may find their outstanding balance transferred to a debt collector. A debt collector is typically a person or agency paid by creditors

How to Prepare for a Recession | Avant

5 Ways to Prepare for a Recession

According to the Economist, a recession is a period of significant decline in economic activity. Outputs and investment suffer, as do business profits and there is typically rising unemployment. To help ensure you and your family are least affected, here

How Much Money Should Be In My Emergency Fund? | Avant

How Much Money Should Be In My Emergency Fund?

What is an Emergency Fund? An emergency fund is an easily accessible pool of money set aside in case of an urgent or unforeseen financial situation. Financial ups and downs occur naturally, so it pays to be prepared for the

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Prepare for the Unexpected with an Emergency Fund

If you’ve found yourself with a little extra money in your budget this month, how are you going to spend it? Or, better yet, how are you going to save it?  Having a dedicated fund for emergencies helps you cope

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6 Reasons You Should Never Lend Money to Anyone

Some people feel friendship and money don’t mix, and if you want to protect a relationship, don’t lend money to anyone. Of course, this is easier said than done. It’s hard to turn our backs on a close friend or

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7 Effortless Ways to Save Money

1. Re-Negotiate Service Contracts Are you overpaying for your cable, cell phone, pest control or any other recurring service? Reach out to the service provider to inquire about more cost-efficient options that may be available to you. If the customer

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6 Unconventional Money Moves to Make in Your 20s

1: Get financially educated. Even if you already have your college degree in hand, you likely gained very little financial knowledge from all of those textbooks you spent so many hours poring over. The key is to learn about things

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Four Ways to Put Your Tax Refund to Good Use

Did you pay too much in taxes last year? The good news is you will see that money again once you file your tax return, but do you plan on saving or spending it? Rather than viewing the refund as


How to Handle a Financial Emergency

One of the reasons it’s so important to always be mindful of your finances is that life has a tendency to throw a wrench in our plans. And whether it’s a leaky roof, car accident or a trip to the


Is a Big Tax Refund a Bad Thing?

According to CNBC, many taxpayers prefer to get refunds, but getting a large refund may not be the best choice for your finances. Sure, getting a check for a lump sum feels great – maybe you’re already thinking about the

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