Unless you’ve lived under a rock, you’ve heard of credit. But do you really understand it? Do you know how to build it? Do you know how to improve it? Here are some tips to help you to build, manage...
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Money issues are often a main source of conflict within couples. Here are some tips to help you avoid some of the biggest pitfalls when it comes to dealing with finances in a relationship.
We’ve all heard that we should be checking our credit report for accuracy, but how do you do that? I’ll walk you thru the steps of ordering a copy of your credit report. Below are my tips for checking your...
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Getting phone calls from a debt collector can be an upsetting, even scary experience. The best way to handle them is to address them head on, and to have all the facts. Here are some tips:
A recent study found that nearly half of all American’s couldn’t cover a $400 emergency. An emergency fund – with 3-6 months of living expenses – is the best way to prepare for the unexpected. Three-to-six months’...
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Identity theft can happen to anyone and it impacts more than 9 million Americans each year. I have outlined some steps you can take to prevent this from happening to you.
How many bills do you pay each month? How do you make sure you pay them all on time? It is normal to have over a dozen bills to keep track of monthly. Paying your bills on time and regularly...
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You’ve decided to pay down your debt – now what? There are two popular strategies for paying down debt: the Highest Cost Debt First Method, and the Snowball Method. Let’s review to figure out which is best for you.
Note:...
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The “no-spend challenge” is all the rage. It’s a 30-day program and you are challenged to limit your spending, focusing only on your bills and fixed expenses like housing, utilities, transportation, and loan payments for an entire month! It’s a...
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Ok, so you want to cut spending but the 30-day program isn’t right for you. Consider the spending delay strategy. This helps those that find ourselves making impulsive purchases, only to regret them later. The idea is to decide in...
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Does the thought of cutting your spending make you anxious? You are not alone. Some find gradually spending cuts a lot easier than huge spending changes at once. Here are some tips and tricks to gradually slow spending.
Gradual Spending...
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The holidays can be a festive time of year, but you don’t want the debt of holiday’s past to haunt you into the new year. Here is my holiday spending tip list - be sure to check it twice.
You’ve heard of net worth, but what is it? And more importantly, what is YOUR net worth? Your net worth is your total assets minus your total liabilities. In other words, what you own minus what you owe equals your...
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