There are many factors that go into determining your credit score. One of the biggest factors is your credit utilization. Your credit utilization ratio makes up about 35 percent of your credit score - one of the biggest factors along with payment history.
How prepared are you for the unexpected? If you are like most Americans then you aren’t very prepared at all. Starting an emergency fund is not only a strong financial move but also one that can help give you some peace of mind.
One of the best parts of summer is the opportunity to travel! Whether you like going somewhere with sandy beaches or places full of history and culture one thing you don’t want to bring home is a ton of credit card debt.
We all have a tendency to get a little out of control with our spending from time to time. One thing that can put it all into focus for us is creating a budget. Never has this been easier with a number or programs and apps that can track and manage your finances.
Like many of us you have probably thought about what the best approach is when it comes to paying down debt. One solution is to take out a personal loan to pay down credit it cards - but is it more harmful than helpful?