Having good credit is easier said than done. Think being responsible and paying your bills on time is enough to keep your credit score high? Think again. When applying for a mortgage or any large loan, your credit score can mean the difference between being approved and denied. Even if you are approved, your credit score determines the interest rate of your loan. If you don't have good credit, you could end up paying thousands in interest alone. You may think you’re on the right track, but these seven practices can negatively affect your financing and lower your credit score.
This post was sponsored by Chase IHG® Rewards Premier Credit Card, but all opinions are my own. Credit card offers constantly arrive in the mail, offering everything from sign-up bonuses to waived first-year fees, to double points for the first month. These days, credit cards provide benefits for almost any of your favorite travel brands,…
Debt can take a serious toll on our lives and we all make plans to pay off our debt but unless we stick to them them will not work! Use my tips to help jump start your debt pay down plan!
No matter how important it may be, I find that for most people, money is the last subject they want to talk about. We've all had financial issues, whether it was spending, debt, saving or budgeting. If you are struggling or just need a little money motivation, here are My Top 5 Personal Finance Posts to help you conquer your money problems.
I am always looking for ways to save money, cutting back on everyday purchases is an excellent way to lower your expenses and put more money in your pocket. Here are 20 Tips to save money on everyday purchases.
The act of spending money you don’t have is a financial practice we’ve become accustomed to over the years. Our mortgages, car payments and tuition, are generally paid in installments. No matter your tax bracket, these types of loans are a standard way of life. For most of us, having a line of credit attached to our name is no longer a luxury, but is deemed a necessity.
Spring – just the mention of the word puts a slight smile on my face. Financial review - now those words can channel a dramatically different expression. Spring has always been a great time to clean out the old and start fresh after a long winter. This renewal should extend to your financial practices as well. It is the optimal time to review your finances to ensure you are on the right track for rest of the year. Here is my Spring Financial Checklist to help keep you smiling all season long.