News and Articles

May 10th, 2016

Everyone wants to have control over their finances so they don’t end up swimming in debt or with a situation they have no idea how to fix. When things go south, they tend to do so very quickly. Without a plan of attack, a downward spiral can go from bad to worse. There are always vital points of your finances that you need to monitor in order to stay on top of your money. Here are some of the more important aspect of your money to watch to create (or maintain) strong financial health.

Debt and Your Career Change

May 3rd, 2016

After establishing yourself in the professional world, you might be hard-pressed to consider changing your form of employment at that stage. However, there are many reasons that one might look to leave their job and search for a new one. One huge reason is their ability to make money and pay off any debts they may have lingering. If you believe you’re due for a change in career, there are a few things you should consider before you clear out your desk.

Should You Have a Secret Fund?

April 28th, 2016

Having a budget can become an essential part of your money management behavior. Planning where every cent of your income will go can help eliminate debt and frivolous spending. Having an emergency fund can help you plan for unexpected rainy days. In the event that you need money for something serious, an emergency fund can alleviate the pressure of certain financial obligations that you might find yourself saddled with. But what about the smaller emergencies? There might be instances where you need money but you don’t want to use your emergency funds. If this is the case, what do you do?

Debt Prioritization and Your Budget

April 26th, 2016

If you have debt then you know that, eventually, you have to take care of it. Everyone knows that holding on to debt has no positive effect on your finances or your FICO score. Through debt management, debt can be made to work in your financial favor. Handling your debt responsibly can lead to an increase in your FICO score and a much easier time applying for credit in the future. One thing that confuses people with debt is how they should prioritize their debt payments. Whether becoming debt free or managing your debt, debt prioritization is very important when budgeting your income.

Credit Card: The Best Way To Use Yours

April 21st, 2016

If you’re a working adult in America, chances are high that you own and use a credit card. Credit cards are convenient bits of money that can substitute for cash you do not have at the time. People use their credit cards for multiple purposes, from emergencies to frivolous items. Regardless of what they use their credit card for, one problem that seems to plague cardholders is their inability to pay off their credit card bill. Credit card debt is a serious matter that can easily creep up on any cardholder. Here’s the best way to utilize your credit card and avoid debt.

Minimum Payments: Helpful or Harmful

April 20th, 2016

Having the ability to make payments on your credit accounts can help to reduce the amount of debt you have. Just the act of making a payment can be seen as an act of good faith in the eyes of a creditor. In an attempt to make paying a credit bill easier, many credit providers give an option to make a minimum payment on the account to satisfy their monthly payment requirement. However, making minimum payments is not always the best way to go when you want to eliminate your debt. Here are some pros and cons in regards to making minimum payments on your credit accounts.

What Should You Be Saving For?

April 20th, 2016

When it comes to saving, the fear that accompanies most individuals is the reason to do so. It can be tempting to spend whatever money you don’t use for bills and debt on whatever you want. However, saving money can be beneficial for the immediate future as well as in the long term. On the other hand, having a savings account without a reason to save can make saving feel like a waste of time. There are plenty of reasons to make saving a priority. Here are a few things to consider before you close your savings account for good.

Spring Cleaning Your Finances

April 19th, 2016

When a new year comes to pass, many people may have an overwhelming feeling to get their lives in order. However, an even stronger moment in time that evokes the need to organize is the springtime. Spring cleaning is the perfect time to put your affairs in order. Any financial hangover from the previous year can be set straight with a few new behaviors, a new budget and a new spring cleaning mentality for your savings and your debt.

Home Owning: A Comprehensive Plan

April 18th, 2016

Owning a home is a big step in your financial life. It requires patience, planning and a dedication towards saving and budgeting. While there are many things that go into owning a house, there are four key factors that one must consider before going house shopping. You must know where your credit stands, where your savings stands, how your monthly budget affects your finances, and whether your income is stable enough to handle home ownership. We’ll go over these points to prepare you for your dream of owning a home.

How to Manage Your Money

April 12th, 2016

Money is not the easiest thing to manage for some. Many people have a fear of being able to save due to the pressing needs of this day and age. With utilities, food, and, most likely, debt being present in your life, money might always seem to be scarce. With proper budgeting and dedication, the ability to manage money is within anyone’s reach. With a few simple tactics, managing your money can be made simpler. Here we will list a few.

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