What’s the first thing I do when I want to go somewhere? Type the address into Google Maps, of course! I tell it my starting point and it shows me a few different routes to my destination and my projected travel time. When I’m ready to start my journey, I pick the route I want … Continue reading Do you know your financial destination?
Category: Credit Cards
7 Ways to Use Your Tax Refund to Level Up Your Finances
Expecting a tax refund this year? If you are one of the people getting money back, why not use this as an opportunity to make a real difference with your finances? Below are seven unique ideas for turning your tax refund into a bigger paycheck, smaller bills, more money for the future, more peace of mind, or just a … Continue reading 7 Ways to Use Your Tax Refund to Level Up Your Finances
My Top 10 Tips for Having Great Credit
To be honest, credit is kind of a game. If you know the rules, you can do well. If you don’t, you can end up in real trouble. It would be tempting to just ignore it, but a low credit score means: Higher interest rates on mortgages, car loans, and personal loans, which could cost … Continue reading My Top 10 Tips for Having Great Credit
The Debt Consolidation Trap, or How I Saved My Client $48,000
A client came to me recently because of credit card debt and feeling like she never had anything left over at the end of the month. I had her do something that I have all my clients with credit card debt do—I had her make a list of all of her credit cards with the … Continue reading The Debt Consolidation Trap, or How I Saved My Client $48,000
What’s the Difference Between Credit Profile, Credit Score, and Credit History?
Not sure about the difference between these three things? Simply put, your credit profile is made up of two things: 1. Your credit score.2. Your credit history. Your credit score is based on your credit history. But here is the thing – your credit score only matters if you are planning to get a loan … Continue reading What’s the Difference Between Credit Profile, Credit Score, and Credit History?
Why Am I Seeing A Christmas Tree? (It’s about future planning.)
I know, we don't want to start thinking about the holidays! But now — not after the fact when the bills come due — is the time to start thinking ahead about what extra expenses will be coming up between now and the end of the year. This might include: holiday travel annual payments that … Continue reading Why Am I Seeing A Christmas Tree? (It’s about future planning.)
Why Your Credit Card Shouldn’t Be Your Emergency Fund
Imagine this scenario … Bruce has a sudden dental emergency and gets a bill for $2,500. He doesn’t have any savings – who knows where the money goes each month – so he puts it on his credit card at 20% interest. “Luckily” the minimum payment is only $42 per month – he can figure … Continue reading Why Your Credit Card Shouldn’t Be Your Emergency Fund