Let’s face it: you’ve got a lot going on, and the last item on your to-do list is budgeting. Keeping up with a budget takes time and requires staying on track. Here’s the good news: with smartphone apps, it’s easier to manage a budget now than ever before. Long gone are the days of manual calculations and filing: these apps connect to your bank, credit and other financial accounts to…
Author: Jo Gilley
Keep Your Retirement Savings in Tact: Why A Personal Loan Is Better for Short-Term Capital Needs
Unplanned expenses happen to everyone.
Honeymooning on a Budget
A honeymoon is a great way to start a marriage and destress after the hectic wedding planning and festivities. You no longer have to worry about seating charts and speeches. All you have to focus on is relaxing and enjoying the trip. We’re here to help with tips and tricks for honeymooning on a budget. Whether a relaxing beach getaway or a busy city excursion, your honeymoon is a vacation…
What Does a Good Credit Score Look Like?
Your Credit Profile What does a good credit score look like? Your credit profile is an indicator of your financial health to lenders. The better it is, the more access you have to better financial deals and opportunities, such as lower interest rates. Personal finance writer LaToya Irby explains that five factors influence your credit score: Payment history (this accounts for 35 percent of the score) Level of debt/credit utilization…
Take Control of the Monthly Budget with Your Partner
Talking money is never easy. It can be especially difficult for couples who have different spending styles or financial priorities.
Why You Lose With Debt Settlement Companies
The rise of debt settlement companies (DSCs) has piqued the curiosity of many Americans who struggle to pay their bills.
What is a Good Debt-to-Income Ratio?
So, what is the magic number for determining whether your debt-to-income ratio is high or low?
What is a Debt-to-Income Ratio and Why is it Important?
Sometimes life throws a curveball that hits your pocketbook when you least expect it.
How to Discuss Household Finances as a Couple Without Arguing
Conversations about money do not have to be heated arguments. Here are a few suggestions for how to initiate and conduct a respectful conversation about household finances.
How to Lower my Debt-to-Income Ratio?
If you calculate your debt-to-income ratio and decide it is too high, or if you are unable to get approved for the amount you need, there are some things you can do to lower your DTI ratio before you borrow money.