From the category archives:

Credit

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Do you know what your debt to income ratio is? Do you know why it’s an important figure? Well, lenders and credit reporting agencies will use this figure as part of the criteria for determining your creditworthiness.  So, it’s important that you not only know what it is, but also that you work towards making it as [...]

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People with credit card debt usually have one major concern: How can I get out of debt? There are a lot of things a consumer can do to help better their situation like earning additional income, reducing their spending, creating a budget, seeking credit counseling, or even a debt management program. All of these are great [...]

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student credit

Today is Get Smart About Credit Day! An annual event where bankers visit classrooms to explain basic personal finance principles to kids, Get Smart About Credit Day helps teach people about the credit facts of life. Though the lessons can be broad, there are three areas of focus: paying for college, knowing your score, and [...]

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Cyber Security Key

Bake a cake and change your passwords, it’s National Cyber Security Awareness Month! While most of us find it annoying to change passwords every 90 days or meet a long list of password criteria, there are extremely good reasons to be as tricky as possible, like avoiding identity theft and unwelcome debt. Since October is [...]

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college-student-personal-finance

Being in college can be hazardous to your financial health. Part of the college experience is struggling to pay bills or make ends meet, but there are ways to offset that besides eating ramen every night. You can earn extra money in college by taking on various part-time jobs or internships, and these can also [...]

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college-student-personal-finance

It’s just about time for the fall semester to begin, and a number of students are heading off to college for the first time. For many of these students, financial education is something that was not a priority. It’s never too late to learn about budgeting and credit card debt, however. We’ve put together a list of [...]

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talking cents guy

DEAR TALKING CENTS GUY, I am recently divorced after ten years of marriage. We luckily do not have children, and though the split was amicable, I am realizing that being single is a lot scarier than I thought it would be. We got married so young (at 22) that I never had to live on [...]

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It’s that time of the year again…time to check your credit report. The Consumer Financial Protection Bureau recommends that you check your credit report at least once a year to make sure that all of the information is accurate and up-to-date and that there are no errors that could keep you from getting credit or [...]

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tuesday tip

You can’t get a credit card or loan without a decent credit score. You can raise your credit score without building a strong credit history. You can’t build a history without getting a credit card or a loan. It’s a vicious cycle that many consumers find themselves in. If you find yourself in such a scenario, [...]

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Credit cards

Before signing up for a credit card, it’s important to understand the terms and conditions associated with each card. Do you really understand what interest rates and minimum payments are, for example? What are the credit card terms for each card that you hold? Credit card terms must be fully understood – even if they [...]

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