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Ways to Pay Off Debt
Life can be very expensive. Bills, mortgages, loans and credit cards can all help manage these expenses. However, these forms of debt can be restricting when interest rates cause our loans to be more than we can handle. In this article we’ll be reviewi …
Staying Away From Credit Card Debt
There are times when debt is necessary, however, there are times where debt is equally unnecessary. With so many different goals and possessions to be desired it can become hard to discern which debt is necessary and which is not. A credit card can be …
6 Steps to Help Create A Budget
1. Set Your Goals In a sense, a budget is a road map marking where you are and where you want to get to financially. A good way to start when creating your budget is to plan financial goals. This can include short, mid, and long-term goals. If your b …
Retirement Accounts
A retirement account is a savings option that allows you to put away your money for retirement with special tax benefits. Since retirement accounts have different options and benefits for growth – such as tax advantages – it is a good idea to know the …
Ways to Build Your Credit When Just Starting Out
A credit card is a line of credit that allows you to borrow money each month with the promise that you will repay what you borrow. Credit cards are a great way to start building your credit because your behavior with the card is reported to the three m …
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Budgeting
What is a Budget? A budget is a simple estimate of the income and expenses that an individual, a family, or a business has in a given period of time. Companies use budgets to identify how much money they will use for future expenses. This system of bud …
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Maintaining Good Credit
Once you know the basics, you need to apply them. If you have good credit, then you should continue to strive to keep it in good health. Here are some of the things that will help you maintain your good credit: Keep an eye on the payments that you need …
What Affects my Credit Score?
Credit scores are influenced by a number of different factors. There are five main categories that affect your score. Each factor has its own value that adds to the whole value of the credit score. Let’s take a look at the five factors that influence y …