Sometimes life happens. Perhaps you’ve had to deal with being laid off by your employer due to downsizing. Perhaps you’re trying to manage the loss of a loved one. Perhaps you’ve had unexpected medical expenses or auto repair expenses or home repair expenses. There are a million reasons why you may find yourself with a poor credit score. Instead of beating yourself up, the … [Read more...]

Are you buried under a mountain of debt? Have you finally said enough is enough and want to get out of debt once and for all? Great! Now you just have to figure out the action plan you are going to use to pay off your debt and follow it. For many people, the plan to pay off your debt comes down to the debt snowball method or the debt avalanche method. Both work well at … [Read more...]

As longtime readers know, I was in credit card debt back in the day. I didn’t have a spending problem, I had personal issues and spending was my way of dealing with the issues I didn’t want to face. Buying things made me feel good, so I kept buying even though I didn’t have the money. Fast forward and I got real with myself and paid off my debt once and for all. But I still … [Read more...]

When it comes to your financial health, your credit score plays a vital role. While most people understand that their credit score is the key to getting approved for a loan, not all realize that having a high credit score also improves their finances. This is because a high credit score can save you money. The higher your credit score, the lower the interest rate you will … [Read more...]