Credit is Essential
Your credit score is vital to your financial well-being, yet so many of us don’t even know what it is. Keeping track of it is important, especially if you’re at a transition point in your life. For example, a divorce never results in a decrease in spending — the...
Don’t take the forbearance for granted
For many, student loan debt hovers over them like the sword of Damocles — ready to come crashing down on their lives and, in some cases, livelihood. The choice is stark: Paying rent or paying your student loan bill. Even income-based repayment programs are completely...
Be Smart About Cancelling Credit Cards
Cancelling a credit card might seem like a simple task: You call, you cancel the credit card. But, in actuality, it could hurt your credit. There are a lot of things to consider before you cancel a card, and then how you do it. Most people don’t realize that closing...
The Importance of Your Credit Score
Your credit score is one of the most important measures of your financial health because it tells lenders how responsibly you handle your finances. The factors that contribute to a high credit score include a history of on-time payments; keeping a low balance on your...
Seeing the Forest Through the Sales
Forest-through-the-trees syndrome is a condition that afflicts us all at some point in our lives: We get so entrenched in what we are doing (the trees) that we cannot see the big picture (the forest). And while this is true in all aspects of life, personal finance is...
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