Tips to Raise Your FICO Credit Score

Your FICO credit score is one of the major factors a lender will consider when determining whether or not to approve you for credit. There are many things that go into your FICO score, which means that there are things that you can do to improve it. Careful attention to your FICO score can help[…]

What Effect Do Student Loans Have on Your Credit Score?

It’s no surprise that the average college student graduates with well over $30,000 in student loan debt. However, too many people fail to realize that not paying their student loans, or not paying them in a timely manner, can seriously hurt their credit. A student loan is just like any other loan. It must be[…]

5 big changes that can significantly reduce your monthly outgo

Although big changes are the most difficult ones to make, they hold the potential of completely changing your financial life for better. Here are the 5 big changes that can possibly save you hundreds, and perhaps even thousands of dollars every year: Getting rid of your car Many people residing in cities consider switching from[…]

Top 8 financial steps you must take before sending your kids to college

Let’s get straight to the steps! Create a solid financial footing for yourself No matter how much your kids may mean to you, you must not support them at the cost of your own financial well-being. Hence, it’s important to create a solid financial footing for yourself first before thinking of spending any money on[…]

9 Important personal finance rules that Americans rarely follow

Here are the 9 most important personal finance rules that a large majority of Americans don’t care about and rarely follow: Paying oneself first Giving your wants a higher priority than your savings/investments may although give you immediate satisfaction, but leave you penniless at the end of every month. This is the reason why majority[…]

Review of the Best Online Budget Software

Very few actually enjoy the task of budgeting. Understanding and maintaining a cash flow system for income, bills and savings each month takes equal parts effort and time – and when the numbers fail to create a surplus, the big bad “b” word turns into a despised chore. Fortunately, the fusion of technology and innovation[…]

Lies you tell yourself to pile up credit card debt

Although credit cards may seem like a necessity to many, they actually aren’t! If you’re someone who just can’t do without them, here are the probable lies you may be telling yourself for piling up credit card debt over a period of time: It’s a great deal! Bargains are excellent, but you must never use[…]

how to pay off my student loan faster

How to Pay Off my Student Loans Faster

Student loans are a great investment in your future. By improving your level of education, you can increase your personal skills as well as your earning power. However, education doesn’t come cheap. Some sort of degree or diploma is now viewed as the new high school degree with regards to the educational entry level requirement[…]