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A good credit score affects many aspects of our life, from where we can afford to buy a house to the job we hold. But did you ever think about how your credit score could affect your retirement? Even if you plan ahead, you may still find yourself in a…
Marriage means a lot of things: love, happiness… and a merging of finances. If you’re a newlywed or about to tie the knot, you may have questions regarding your credit and new financial situation. Here are answers to a few of the most common questions for new spouses. When I…
Today we pretty much take it for granted that we’ll need to work as long as possible in order to be able to one day retire; even if that means remaining in the workforce until we’re 70. It didn’t used to be this way, and we believe it shouldn’t have…
If you’ve just begun to use a budget, you’re likely tracking your spending to see where your money is going each month. Are you going over budget? That much is easy to tell, but how do you know where you’re spending too much and where you might benefit by cutting…
It’s a common question at the checkout counter. Are you paying with credit or debit? Does it matter one way or the other? We’ll explain the difference and how to decide which card to use. You probably know that a debit card is attached to your bank account, meaning the…
It’s tricky enough to teach a child common life skills like brushing her teeth or making her bed. So how do you teach a child a skill that many adults haven’t even mastered—the skill of being frugal? It isn’t easy, and what works for one child might not work for…
Years ago, it was standard for adults to set out on one career path and stick to it for the entire duration of their working lives. Those days have come and gone, though, and it’s highly uncommon to meet someone who hasn’t made a career change in some form or…
Fix Your Credit and Improve your FICO Score Unfortunately, there’s no quick fix to getting a better FICO score. Repairing your bad credit takes time and diligence. But if you follow these steps for several months, you’ll begin to see both your credit report and your FICO score improve. Monitor…
Understanding your credit can feel like doing calculus—confusing and over your head. Because of this, many people simply neglect it altogether, pretending it doesn’t exist. Unfortunately, this can have a major and lasting impact on your finances for the rest of your life. Did you know more than a quarter…
Your mortgage is arguably the most important loan you will ever apply for. Your mortgage application can make a major difference not only in whether you’re able to buy a house period, but how much house you can afford. To qualify for a mortgage and get the best interest rate…