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 […]
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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
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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
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This article will guide you on how to get out of debt on a low income. How to get out of debt on a low income is a harsh reality for millions of Americans, especially those with low incomes. According to the Federal Reserve Bank of New York, U.S. household debt reached $17.5 trillion in
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