Since January 2018, my credit score was stuck at 799 and it was killing me that I was 1 damn point away from my personal goal. So you can only imagine my dance celebration when I saw my FICO score … Continue reading It’s been 3 years in the making and I finally made it to the 800 club!
Have you noticed the competition in the credit card industry? It seems like new premium cards with incredible cash back and points offers are introduced to the market every year. I’ve been tempted to play with all of these points … Continue reading This is why I use charge cards and not credit cards
There is probably nothing more annoying than to deal with credit card fraud. I am impressed by how these hackers get my card information and purchase groceries from a supermarket nearly 50 miles away from my home. Great, you got … Continue reading Have You Recently Dealt With Credit Card Fraud?
Being in debt has been normalized for many of us. Mention that you’re swimming in it and the response is always “who isn’t?”. We have been conditioned to believe that having debt is something we will always live with. I … Continue reading From Financially Clueless To Savvy in Under A Year!
Whether you are a first time home buyer or you’re a pro at purchasing homes, your credit score will always influence your mortgage interest rate. As you know, your mortgage payments have 4 components to it and interest is one … Continue reading Keep A Close Eye On Your Credit Score…It Can Make Your Mortgage Very Costly
Let me be clear up front, bankruptcy should literally be the LAST resort. However, when it comes to debt management and the debt crisis that exists in America, this is a real conversation many families are having. Before you consider … Continue reading Is Personal Bankruptcy 100% Forgiveness? Not exactly…
Truth be told, the facts and statistics I found related to this are disheartening. It makes me think about the political climate in our country, the ridiculous medical costs, and wonder why we are falling behind other developed countries in … Continue reading Unfortunately, This Is The #1 Reason For Personal Bankruptcy In America
Getting calls from your lenders and debt collectors is probably one of the most annoying experiences. I can say this because I personally experienced it once with a medical bill in college about 5-6 years ago. In general, our first … Continue reading Tips On How You Can NEGOTIATE With Your Lenders And Debt Collectors
Don’t overlook a balance transfer. If you have credit card debt and are paying a ridiculous amount of interest this is actually a good strategy that could save you hundreds of dollars! A balance transfer is simple…you use the credit … Continue reading What Is A Balance Transfer? Should I Consider It?
Just like many of you, I’ve got student loans to pay. Between my wife and I we owe about $140,000 (we both have bachelors and masters degrees). I owe $100,000 and she owes $40,000. Our repayment calculations are a joke. … Continue reading Snowball Method vs High Rate Method
Just like many of you, I’ve got student loans to pay. Between my wife and I we owe about $140,000 (we both have bachelors and masters degrees). I owe $100,000 and she owes $40,000. Our repayment calculations are a joke. … Continue reading Damn…My Student Loans Deferment Just Ended And I Owe $140,000!!!
Managing debt is no easy or fun task. Becoming debt free and achieving financial freedom is the ultimate goal, right? Set realistic expectations for yourself because this will be a long and steep climb, but don’t become overwhelmed! Your … Continue reading Debt Doesn’t Define You
Ah yes, Credit Karma, a product I have been using for a little over four years, and one I couldn’t live without. Credit Karma has become an integral part of my journey to financial freedom, in part because it has … Continue reading Get To Know Your Karma, Your Credit Karma That Is.
Did you know that there are 4 very specific laws that provide guidelines and procedures for lenders and that expand your protections? Safeguarding your credit and financial life is extremely important and, unfortunately, there are many negligent institutions that cross … Continue reading You Have Credit Rights!
Right now is probably one of the best times to be a consumer in the credit card market! Why? Because all of the lenders are pouring millions of dollars to develop strong products and to offer premium rewards in order to … Continue reading Are You Stuck Trying To Find A Credit Card?
Your credit score is one of the most important financial numbers associated to your name. If your confidence is low because your score is poor or average, don’t let yourself become defeated and don’t give up. Only YOU can directly … Continue reading My Credit Score Increased By 100 points Within 1 Year
Our identities are at risk every single day. Fraud is a scary thought because you never know when it will occur. Think about this for a second…our cell phone providers, insurance companies, banks, employers, etc. store our personal information in their … Continue reading Reduce Your Risk of Fraud
Managing your credit score seems extremely complicated. It’s going up and down every single month and every time you get your free credit reports and scores, the numbers between the 3 bureaus don’t even match! If these are your thoughts … Continue reading What Exactly Is A Credit Score?
Once you have adjusted your strategy and have given your credit cards a new purpose to compliment your financial goals, it’s important to know that there … Continue reading Charge Cards vs. Credit Cards
This past week I read the 2015 Economic Well Being of U.S. Households report and it has revealed astonishing statistics about the state of personal finances in this country. While I’m aware and sensitive to the fact that economic conditions affects each … Continue reading There Is Urgency for Financial Literacy