How Can I Use My Credit Card Responsibly?

In the 21st century having a credit card is almost a requirement. How can you use your credit card without making the mistakes millions often do?

Credit Cards, ConsumerBryan CaplanJune 23, 2019credit cards, personal financeComment

Traveling With Your Credit Cards

Summer is the time for relaxing and exploring. If you are headed overseas this summer there are a few things about your credit cards you should know before you leave.

Consumer, Credit CardsBryan CaplanJune 10, 2019credit cards, consumerComment

Credit Scores Are On The Rise

A decade ago finances were in dire straits as the country was plunged into a recession. How have we fared since then? Probably better than you think.

Consumer, Credit CardsBryan CaplanMay 21, 2019consumer, credit scoreComment

Understanding Your Credit Utilization

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.

Road Trip On A Budget

Are you looking forward to getting away? Have fun this summer by planning a road trip that will bring you joy and not strain your wallet.

Consumer, Personal FinanceBryan CaplanMay 6, 2019consumer, budgetingComment

Starting An Emergency Fund

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.

Consumer, Personal FinanceBryan CaplanApril 28, 2019consumer, personal finance, budgetingComment

Travel This Summer Without The Credit Card Debt

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.

Consumer, Personal FinanceBryan CaplanApril 15, 2019consumer, budgeting, credit cardsComment

Budgeting: The 50/20/30 Rule

You’ve decided that you are going to work on paying down your debts - that’s great! But where on Earth do you start finding money in your every day life?

Consumer, Personal FinanceBryan CaplanApril 14, 2019consumer, personal finance, budgetingComment

Debt Diversity & Your Credit Score

We all know that on-time payments and low balances are the key to a high credit score but what impact, if any, does the variety of credit and debt have on the score?

Consumer, Credit CardsBryan CaplanApril 3, 2019credit cards, consumer, credit scoreComment

Spring Cleaning (In Your Wallet)

You are taking the time to clean your home, your car and maybe even your wardrobe - but what about your wallet?

Personal Finance, ConsumerBryan CaplanMarch 16, 2019consumer, personal financeComment

Why Are On-Time Payments So Important?

Your credit score is made up of a myriad of factors to determine your credit health. What role do on-time payments play in that formula?

Consumer, Credit Cards, Credit RepairBryan CaplanMarch 16, 2019credit score, consumerComment

Managing Your Spending With Mint

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.

Consumer, Personal FinanceBryan CaplanMarch 10, 2019personal finance, budgetingComment

Is Consolidating Debt Worth It?

When you are preparing a strategy to tackle debt there are so many options to consider. One of these is debt consolidation.

Credit Cards, Personal Finance, ConsumerBryan CaplanFebruary 25, 2019consumer, credit cards, personal financeComment

Should I Use A Personal Loan To Pay Off Credit Cards?

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?

Personal Finance, Consumer, Credit CardsBryan CaplanFebruary 11, 2019credit cards, consumer, personal financeComment

Budgeting Helpers To Keep You On Track

Sticking to a budget isn’t always easy - especially if you are used to buying whatever you want whenever you want it. But a little commitment and some simple helpers can make you more financially sound in no time.

Consumer, Personal FinanceBryan CaplanFebruary 5, 2019consumer, budgetingComment

How To Get The Most Out Of Your Tax Return

When you are getting your finances in order every little bit of extra cash helps. This tax season make sure you are getting the most out of your return!

Consumer, Personal FinanceBryan CaplanJanuary 25, 2019consumer, personal financeComment

Save Money (and the Environment) With These Home Hacks

Going green and helping save the environment has never been more popular. But did you know that adopting a few green behaviors in your life could also save you some money?

Personal Finance, ConsumerBryan CaplanJanuary 2, 2019consumer, personal financeComment

Starting 2019 On Better Financial Footing

A new year signifies the possibility of change - a fresh start. Will 2019 be the year you get your financial life on track?

Consumer, Personal FinanceBryan CaplanJanuary 2, 2019consumer, personal financeComment

How To Find Post-Holiday Savings

The holiday season comes and goes in a flurry every year. This year make your post-holiday life a little happier with some smarter financial decisions.

Consumer, Personal FinanceBryan CaplanDecember 23, 2018consumer, personal financeComment

3 Ways To Save More Without Making More

Saving money is something everyone wants to do but can’t always accomplish. Even if your income isn’t increasing there are still ways to get your savings started.

Consumer, Personal FinanceBryan CaplanDecember 15, 2018consumer, personal finance, savingComment

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