• If You’re Serious About Improving Your Credit Score, Follow These Steps

    Many of us faced times where we had no choice but to default on our payments. Sometimes it’s out of our control or we neglect exhausting all options not to fall behind. That one mistake in your life might have hurt your credit score and now you’re frantically trying to ...

  • 5 Essential Financial Habits to Start Today

    Summary: The first step is to avoid debt at all cost, it’s a vicious cycle that can put you deeper in the hole Start planning for your rainy day fund, you should have 3-6 months of expenses set aside Start a habit to track your spending more often. Check your credit card transactions ...

  • Who’s Responsible for your Debt when you Die?

    Summary: You’re only responsible for the debt if you’re a co-signer Being an authorized user does not mean you’re responsible for the debt Federal student loans can be discharged upon death Private student loans creditors may go after the estate Whether we like it or not, death affects all of us. I got the call ...

  • 4 Ways to Protect Against Financial Infidelity

    Summary: Having an open line of communication (good or bad) will help you have a better understanding of your finances Establish a joint vs separate finances beforehand Try creating an allowance between you and your spouse, that way it gives freedom to everyone to spend on whatever they want Make financial statements accessible Managing finances ...

  • Should You Really Tackle Your Student Loans First?

    When you look at the big number that represents your student loan debt, it feels overwhelming. In fact, you might be tempted to rush in and pay off your student loan debt as quickly as possible — just to overcome the stress associated with it. Before you hurry to pay off ...

  • 4 Credit Card “Perks” That Can Cost You Big in the Long Run

    If we were to compare the additional perks that come with using credit cards vs. spending cash, credit cards would undoubtedly take the cake. With the promise of points to be used towards future vacations, various protections that could amount to huge savings, and access to additional cash within minutes, ...

  • Why You Need to Start Saving for Retirement Now

    When you’re in your 20s or 30s, retirement seems like a lifetime or two away. I’m in my early 40s and feel like retirement is too far away – but age has taught me one thing – it’s much closer than I want to believe. That’s why articles like this one ...

  • The Hardest Topic to Speak About Amongst Families: Money

    If you think religion and politics are uncomfortable subjects to broach at the dinner table, there’s something a large portion of the population finds much more taboo: finances. According to a 2014 study conducted by Wells Fargo, 44% of Americans find it extremely challenging to talk about personal finances, while ...

  • How to Safeguard Your Children’s Credit Score

    Offering an unvarnished credit history to identity thieves is like offering a clean bill of health to someone suffering from a chronic illness – it’s far too tempting to turn down. Unfortunately that unvarnished credit history can come from a source you wouldn’t normally expect – like your child. And, according ...

  • How Credit Cards Helped Me Budget, Travel, and Rebuild My Credit Score

    I know it may seem odd for someone who struggled with credit card debt for years to say that credit cards can be good. You might even think it’s crazy or unfounded. As I’ve gotten older (and hopefully wiser), I’ve learned even more how we grow and learn. If you had ...