Building Your Credit After a Financial Disaster

Whether you declared bankruptcy or opted for some form of debt relief, you have a newfound horizon of financial independence to set your sights upon. But as close as that goal, there’s one crucial hurdle standing in your way of getting there: your decimated credit score. Let’s look at the proper steps to building credit […]

Why It’s Better to Favor Credit Over Cash

When it comes to spending money, you may think it doesn’t matter where it comes from, it’s leaving your account one way or another, but while that part may be true, using credit can actually make more financial sense than using cash.  Now granted, if you are careless with using a credit card and the […]

Smart Ways to Save on Holiday Spending

Whether you like it or not, the cold weather has made its mark, making it seem like there wasn’t even a fall, going from summer, straight to winter.  With the change in temperature comes another rude awakening; it’s time for Christmas shopping.  While there are the smart ones out there that put money aside all […]

Is A Stocks and Shares ISA A Good Investment?

Getting ahead financially can be as easy as saving $20 a month. Looking ahead to the long-haul, picking out the right investment strategy for you should be done with a considerable amount of deliberation. How do you choose the right path for your money? Do the research, make a plan, and get some insight from […]

Ways You Can Cut Expenses Starting Now

While now is the time to take a look around your doors, windows, and outlets that share a wall with the outside to make sure you’re probably sealed to withstand the cold air coming in and causing your heat to kick on more than often, there are other ways you can reduce expenses throughout the […]

Why You Shouldn’t Be Afraid of Using a Credit Card

Credit card debt is certainly something that can scare you off, especially if you had bouts with it in the past.  It can cause hardship and stress trying to figure out not only how you got into that mess, but how you are going to pay it back.  It certainly does take patience and discipline […]

Six Wise Habits To Follow To Repay Debts Faster

The principle of not acquiring additional debt is easy – you just have to save and pay. The only problem is that many people don’t know how to save money, while trying to meet their other financial obligations. Here are some habits to develop so you can manage your spending habits: Create A Budget Plan […]

4 Ways to Get Financially Ahead

As quickly as your paycheck comes into your account on payday, it seems just as fast leaving, then waiting until the next check in a couple weeks to have a positive balance again.  Living paycheck to paycheck is common, however not ideal, especially if you think about how scary it would be if you were […]

How You Can Boost Your Credit Score

First impressions are lasting, and when it comes to the financial world, most notedly filling out a credit application, your score is the impression you make on the lender, and is not only what decides the rate and terms, but is the major deciding factor in your approval or denial. The higher the credit score, […]

Ways You Can Avoid Going Paycheck to Paycheck

With most of the population living paycheck to paycheck, it makes you wonder how you can get ahead.  While you may not be able to survive for years without a paycheck if you were to have a sudden job-loss or major event occur where you would have to shell out a large chunk of change, […]