What is a Holiday Loan?

Do you ever feel overwhelmed during the holidays? The holiday season is a joyful time for festivities with family and friends. But it can also be a time of financial stress. If you're looking for ways to cover holiday expenses, a holiday loan can be a suitable option....

What Happens If You Go Over Your Credit Card Limit?

Trying to keep your spending under your credit card limit can be stressful. Sometimes, using up almost all of your available credit might be necessary. But what happens if you go over your credit card limit? Credit cards are crucial for managing daily expenses and...

Does Business Bankruptcy Affect Your Personal Credit?

If your business has faced financial hardship, you may have considered filing for bankruptcy. It's a tough decision, but sometimes it's the only way forward. However, there's a looming question for most people when it comes to business bankruptcy: Does business...

Does a Car Accident Affect Your Credit Score?

Car accidents can have a substantial impact on various aspects of life. One of those consequences is the potential for your credit score to be affected. Accidents can cause not only physical and emotional repercussions, but financial implications as well. Car repairs,...

10 Strategies to Save on Holiday Shopping

The holiday season is a joyful time of celebration with loved ones, but it can also be a time of financial stress. Between buying gifts, decorating, and preparing for festive feasts, your expenses can quickly add up. However, with a little planning and the right...

How Does a Personal Loan Affect Your Credit?

Personal loans can offer the financial flexibility you seek. But, before you decide if taking out a personal loan is a good idea for you, it's important to ask, "How does taking out a personal loan affect your credit?" This article walks you through the world of...

How Does a Collection Impact Your Credit Score?

When you discover a collection account on your credit report, it’s natural to feel a little anxious. It’s a term you might have heard but perhaps haven’t encountered. How did it get there? What impact will it have on your future financial choices? In this article we...

Why Does Your Credit Score Matter?

Few feelings are worse than when you go to a bank or lender to apply for a mortgage or loan and they turn you down because you have a "poor credit score." Worse still is when you don't know what they're talking about or don't even have a credit score. Whether you know...

How Do I Get My FICO® Score 2?

If you've stumbled upon this post, you're more than likely on a mission to find out about your FICO® Score 2, especially if you're gearing up for a mortgage application or eyeing that new credit card offer. Understanding your credit score is an essential step in...

What are Education Tax Credits?

If you paid for college for yourself, a dependent or a spouse this year, you may be able to claim an education tax credit on your tax return. Education tax credits can help you afford college by reducing your tax liability and letting you save on your tax bill. There...

Recent Articles

What is an FHA Loan and How Does It Work?

What is an FHA Loan and How Does It Work?

FHA loans can help you buy a home when you have low-to-moderate income, a lower credit score or limited funds for a down payment. Compared to other loan types, FHA loans have more lenient requirements that allow first-time homebuyers and less qualified borrowers to attain homeownership more easily. In this blog, we discuss how an FHA loan works and how to know if it’s right for you. https://youtube.com/shorts/HYdNNSw3soE?feature=share What is a...

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Understanding Finance Charges: What You Need to Know

Understanding Finance Charges: What You Need to Know

What Is a Finance Charge? Finance charges refer to the costs associated with borrowing money or obtaining credit from a lender. It is the fee or interest that a borrower pays for the use of the lender’s funds or the extension of credit. The charges can vary depending on the type of loan or credit arrangement and the terms agreed upon between the lender and borrower. They are typically expressed as a percentage of the loan amount or credit...

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How Can Applying for a Credit Card Affect Your Credit Score?

How Can Applying for a Credit Card Affect Your Credit Score?

Getting a new credit card can be exciting, but it’s important not to get carried away. Having too many credit cards can lead to things like multiple card inquiries and falling into debt, which can directly impact your credit score. This is why you need to find the right balance to help you manage your credit wisely to avoid these potential risks. In this article, we explore factors you should consider when determining how often to apply for a...

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What Happens If You Don’t Use Your Credit Card?

What Happens If You Don’t Use Your Credit Card?

Credit cards can be a useful financial tool, making it easy to make purchases and help your credit. But, what happens if you don't use your credit card for a long time? In this blog, we explore what can happen if you don’t use your credit card and provide tips to help keep your account active and in good standing. We also discuss how neglecting your credit card can negatively impact your credit score, lead to fees and penalties, and even result...

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Cash Stuffing: The New Way to Save and Budget Your Money

Cash Stuffing: The New Way to Save and Budget Your Money

Cash stuffing is a new trend that is quickly gaining popularity. It is a simple and effective way to save and budget your money. And it can help you to stay on track with your financial goals. What is Cash Stuffing? Cash stuffing is a budgeting method where you physically take cash out of your bank account each month and divide it  into envelopes with each  labeled for a different expense. For example, you might have an envelope for rent, one...

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How Do You Build Credit in the Military?

How Do You Build Credit in the Military?

May is Military Appreciation Month, a time to honor the contributions of our military members. Managing finances and building their credit can be challenging for those serving in the military, especially when they are deployed and gave to spend a significant amount of time away from home. Here are tips on how to help improve your credit during your military service so that you can establish a solid financial foundation for the future....

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What Are the Basic Types of Credit Cards?

What Are the Basic Types of Credit Cards?

There are many credit cards to choose from, which might be overwhelming. To select the right one for you, it's crucial to understand the different types available. This blog reviews four basic types of credit cards, each with its unique features and benefits. https://www.youtube.com/shorts/xs6z42kBpLU Four Basic Types of Credit Cards Reward Credit Cards Rewards credit cards let you earn free rewards every time you use your card for eligible...

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What Is Soft Savings? The New Trend You Should Know

What Is Soft Savings? The New Trend You Should Know

In recent years, there has been a growing trend of "soft saving." This refers to a less restrictive and more flexible method of saving money than traditional methods, such as setting up a savings account or investing in stocks or bonds. There are several reasons why soft saving has become so popular. One reason is that it is more accessible than traditional methods. With soft savings, you can save money without making a large initial savings...

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Why It’s Important to Create a Budget as a College Student

Why It’s Important to Create a Budget as a College Student

Most college students simply can’t afford to ignore the importance of budgeting their money while working toward an education. Expenses such as tuition, room and board, monthly utility bills, books, food, and transportation costs can quickly add up and become impossible to manage when you aren’t carefully monitoring your finances. By budgeting your money as a college student, you can help ensure  you have sufficient funds to cover your costs...

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Financial Literacy Month: Tips to Build Credit Fast and Effectively

Financial Literacy Month: Tips to Build Credit Fast and Effectively

April is Financial Literacy Month. It’s a great time to work on your financial health and improve your credit score. Here is more information on Financial Literacy Month along with some simple steps to take to raise your credit scores. What is Financial Literacy Month? Financial Literacy Month is a yearly event held in April that promotes the importance of financial education. The awareness month aims to teach people how to manage their money...

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