How Is Your Credit Score Calculated?

People who currently have a bad credit history may ask the same question - "How is my credit score calculated"?  You probably desire to know about this too even though you currently have a good credit history. Besides, it pays to know how they came up with your credit score,...

5 Tips to Improve Your Credit Score

You can certainly improve your credit score but keep in mind that it doesn't happen overnight. Credit scores are based on your cumulative past and present credit behavior. Just like losing weight, the right way to repair your credit is gradual. Quick-fix efforts are more likely to backfire so be...

5 Tips On Money Management Mindset

We all certainly know about the fundamentals of the money management mindset. Think about earning more than you're spending, having an emergency fund, etc. However, maintaining these habits are easier said than done. Surely, everyone knows that part of responsible adulting is being able to manage your finances. However, it...

How to Become Financially Free in 10 Steps

Everyone wants to become financially free. However, not all can commit themselves to do the necessary steps to achieve it. The reality is that the road to financial freedom isn't straightforward. Trying to live our entire lives debt-free is almost impossible. This is despite the fact that you may be...

7 Steps to Financial Freedom

Financial freedom is something that seems so elusive. Recent research from Charles Schwab shows that 3 out of 5 Americans are living paycheck-to-paycheck. Moreover, only 1 out of 4 have a written financial plan. The numbers speak for themselves. Most of us spend a lot of time planning other aspects...

How To Break The Generational Cycle of Financial Bondage

You could be suffering from financial bondage and not know it. Hence, it pays to understand what this term means... Financial bondage results from having too much debt, preoccupation with wealth, or misuse of money. The excessive use of credit is the most common type of it. A lot of...

Top 10 Tips on Debt Elimination to Start 2019 Fresh

Getting debt elimination advice is something that most of us resent when we badly need it in fact. Did you know that an American household has an average of $137,063 in debt? This is according to the Federal Reserve's statistics in November 2017. Furthermore, the U.S. Census Bureau found out that the median household income...