Money Tips & Resources ✍

How Buy Now Pay Later Plans Impact Your Credit 

by | November 25, 2024 | Credit, Debt | 0 Comments

Buy now pay later (BNPL) options have rapidly gained popularity. In fact, more than 100 million Americans have used BNPL, and the global...
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How Does a Balance Transfer Affect Your Credit? 

by | November 8, 2024 | Credit, Debt | 0 Comments

A balance transfer allows you to move an existing credit card balance to a new card, often with a lower or even 0% introductory interest...
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How Balance Transfers Work: Do Balance Transfers Hurt Your Credit?

by | October 31, 2024 | Credit, Debt | 0 Comments

Many people wonder how balance transfers work and if they can negatively affect your credit score. Balance transfers are a powerful tool...
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6 Signs Financial Coaching Is Right for You 

by | October 23, 2024 | Budgeting, Credit, Debt, Loans | 0 Comments

Managing your finances can be complicated and overwhelming, especially when you're trying to balance short-term needs with long-term...
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What Does “Charged Off as Bad Debt” Mean?

by | October 18, 2024 | Debt | 0 Comments

If you’ve ever struggled with credit card debt, you might have come across the term “charged off as bad debt.” This seemingly ominous...
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Debt Counseling vs. Debt Management: Which is Right for You? 

by | October 16, 2024 | Debt | 0 Comments

Debt-related stress is a pervasive issue that affects millions of individuals and families, often leading to anxiety, health problems, and...
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How to Get Out of Medical Debt 

by | October 10, 2024 | Debt | 0 Comments

Millions of people in the United States are saddled with medical debt, with one in five Americans currently in collections for medical...
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How Many Credit Cards Are Too Many?

by | October 1, 2024 | Credit | 0 Comments

Credit cards play an essential role in personal finance, offering a convenient way to make purchases, build credit, and earn rewards. But...
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What Happens if You Miss a Car Payment?

by | September 18, 2024 | Credit, Debt | 0 Comments

Financial stability is a crucial aspect of personal well-being, and missing a car payment can be a significant source of stress. A missed...
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What to do If a Debt Collector Calls You

by | September 10, 2024 | Debt | 0 Comments

Debt Collectors Keep Calling Me!   No one likes getting calls from debt collectors. Owing money to a group of strangers who...
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How to Pay Off Debt Fast 

by | September 3, 2024 | Debt | 0 Comments

Paying off your debt fast comes with many short-term and long-term benefits. It can help you build strong credit over time with a positive...
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How Can Credit Cards Help Your Credit Score? 

by | August 29, 2024 | Credit | 0 Comments

In today’s financial landscape, your credit score holds the power to make or break your financial health. With the potential to save or...
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Missed Credit Card Payment by 1 Day? Here’s What Happens if you Miss a Credit Card Payment 

by | August 28, 2024 | Credit | 0 Comments

Missing a credit card payment, even by just a day, can have a series of consequences that might surprise you. Whether it’s an oversight or...
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What Makes a Good Credit Score?

by | August 15, 2024 | Credit | 0 Comments

What is a good credit score, and how do you determine what makes it good or not? If you’ve ever applied for a significant loan, like for a...
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How Do Medical Bills Affect Your Credit?

by | August 9, 2024 | Credit, Debt | 0 Comments

Dealing with medical bills can be overwhelming, especially when you're unsure how they might affect your credit score. Understanding the...
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What Is the Best Way to Pay Off Credit Card Debt?

by | August 9, 2024 | Debt | 0 Comments

If you're dealing with credit card debt, you're not alone. Millions of Americans struggle with carrying balances and paying high interest...
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Quadpay (Zip): Is Paying Later Worth It?

by | August 5, 2024 | Credit | 0 Comments

Zip — formerly Quadpay — is a “Buy now. Pay later.” platform. They allow you to “split any purchase into 4 interest‑free installments over...
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“Car Dealership Ran My Credit Multiple Times” – Here’s What to Do

by | August 5, 2024 | Credit | 0 Comments

If you’ve been vehicle shopping recently, you might have noticed that the car dealership ran your credit multiple times. Don’t panic just...
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Does Debt Consolidation Affect Buying a Home?

by | July 30, 2024 | Debt | 0 Comments

Debt consolidation can be a helpful tool for managing multiple debts, but does debt consolidation affect buying a home? This article...
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Pay Off Debt or Save for Emergencies: Which Comes First?

by | July 29, 2024 | Budgeting, Debt | 0 Comments

Deciding whether to pay off debt or save for emergencies is a nuanced and often challenging decision. Both priorities are crucial for...
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