Does Applying For A Loan Hurt My Credit Score?

April 2022 By Leave a Comment

If you need a loan for whatever reason, your credit score is going to have a part to play. Your credit score is what banks and lenders use to determine how reliable you are. It’s far from a perfect system, but we all have to play by its rules to get credit. Which is why […]

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Clever Ways to Improve Your Credit Score

May 2021 By Leave a Comment

Your credit score will impact many elements of your life in unexpected ways. For example, the 37% of home buyers represented by millennials may have a bad credit score that affects their ability to buy. Thankfully, there are ways to boost your score that take minimal effort and may not cost you much. Here are […]

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How Many Credit Cards Should You Have?

August 2020 By Leave a Comment

How many credit cards should you have? There is no one size fits all answer to this question. If you have a lot of debt that you are trying to pay off, or if you struggle to keep a strict budget, then the answer in your case is to have zero credit cards. However, if […]

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How to Lower Your Credit Card Interest Rate

July 2020 By Leave a Comment

How do you lower your credit card interest rate? If you find yourself in credit card debt and are trying to pay it off, then lowering the interest rate on your cards can help accelerate the process. With the average APR on credit cards in the U.S. being between 15% and 22% you can see […]

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Credit Card Reward Stacking

June 2020 By Leave a Comment

Credit card reward stacking is a concept to stack multiple offers to receive the most savings possible on your purchases. Using your credit card to earn things like cashback, airline miles, or hotel credit can be a smart financial strategy. But there is a way to earn even more and maximize the benefits that you […]

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Dealing with the Coronavirus. Personal Reflection APR 2020

April 2020 By Leave a Comment

April is already more than half over.  It’s still cold here however, as it’s going down into the mid 20’s tonight.  So, Spring has not sprung just yet.  I have managed to cut my grass for the first time, and I cleaned out my mulch beds.  More work to come once it finally warms up.  […]

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Coronavirus Credit Card Relief Programs

April 2020 By Leave a Comment

If you are carrying a balance on credit cards and have suffered a job loss or income reduction due to the Coronavirus pandemic, then you may qualify for some relief.  Multiple credit card issuers have launched programs to assist customers who may have trouble meeting their payment obligations during these unprecedented times.  I’ve compiled a […]

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Five Things To Consider When Getting Your First Credit Card

December 2019 By Leave a Comment

For most people, opening their first credit card is the ultimate sign of reaching adulthood. Having a credit card means a great deal of responsibility, and this should not be taken lightly. Understanding how credit cards work and learning tips on how to use it smartly is essential. If you’re planning to look at some […]

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Real Financial Advice from a 3×5 Card

July 2018 By Leave a Comment

Harold Pollack, a University of Chicago Professor wrote a 3×5 card that gave real financial advice. Most of this information is well known to most people. The problem is that although we have the information, we rarely use it. Going over financial advice may be boring to some, but may save others future hardships. Let’s […]

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5 Things That Can Hurt Your Credit Score

September 2017 By Leave a Comment

Nobody wants to have a bad credit score. It can definitely make life a lot harder than it should be. A bad credit score can prevent you from getting a loan. It may result in being asked for a security deposit or getting a higher insurance rate. Obviously, you should do all you can to […]

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