What happens when life gives you extra income? Sometimes the income might come from a bonus, tax refund, gift, or side hustle. The source may not be a major focus for us at this time. The big question is: what should you do with extra income? According to a 2024 CNBC report, about 44% of […]
What to Do with Extra Income: Save, Invest, or Spend? Read More »
Are you on your journey to rebuild your credit after bankruptcy or foreclosure? The goal is achievable with the right steps. Many Americans face financial setbacks, but you can restore your finances with determination and the right tools. This guide will walk you through practical steps to rebuild credit after bankruptcy. It will ensure you
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We will explore how you can buy a house with zero down payment. You’re not alone if you want to buy a home but don’t have money saved for a down payment. Many Americans are in these shoes. A zero down payment might be the answer. Well, does it sound too good to be true?
Zero Down Payment: How to Buy a House with No Money Down Read More »
Do you have home and auto insurance? If you do, great. But here’s the real question: Is your coverage enough? Many people assume their policies will protect them in any situation. Sadly, that’s not always true. Now imagine this. One in five homeowners is underinsured, and many drivers don’t know their auto policy limits. This
Is Your Home and Auto Insurance Enough? 5 Questions To Answer Read More »
Many people have a budget, but sticking to their monthly budget is where the real challenge begins. It’s easy to plan on paper, but unexpected expenses and shifting priorities can quickly throw your goals off track. Without the right action plan, even the best budget can fall apart. According to a 2023 survey from Debt.com,
How to Stick to Your Monthly Budget: 7 Proven Tips That Work Read More »
You can use a mortgage payment calculator to plan your home purchase. According to the National Association of Realtors, first-time homebuyers made up 32% of all homebuyers in 2024. Yet many still walk blindly into buying their homes without knowing what they can afford. Many new homeowners think their monthly mortgage payments will be lower
How to Use a Mortgage Payment Calculator Read More »
Budgeting mistakes can take your financial journey in the wrong direction. Managing your money is not always easy, especially when you’re a young professional with a tight schedule. Most times, long work hours and social commitments come before budgeting in your to-do list. According to a 2024 report from LendingClub, over 60% of Americans are
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In this article, we will explore five key factors and how each one affects your credit score. If you’ve ever applied for any form of credit, you’ve probably heard the words “credit score” used often. You know it’s important, but knowing what affects your credit score is also important. Do you want to build your
What Affects Your Credit Score? 5 Key Factors Explained Read More »
What is a credit score, and why does it matter so much in your financial life? If you’ve ever applied for a loan, a credit card, or even tried to rent an apartment, chances are someone checked your credit score. Your credit score plays a crucial role in your financial life. This is why you
What Is a Credit Score and Why Does It Matter? Read More »
If you’re like many Americans, the thought of what insurance is might make you think of paperwork, policies, and monthly bills. It is a simple concept that can protect your financial future. This article will break down what insurance is. How it works, why it matters, and some key statistics will show you just how
What Is Insurance? A Simple Guide for Beginners Read More »