Low credit scores can trip you up when trying to get a car loan, a personal loan or even an apartment to rent. The good news is that there are ways that you can increase your credit score. It begins with wanting to improve your credit score, and then takes some self-discipline, determination, and focus. You will have to be proactive and most likely have to sacrifice your time and effort. To help you on your way, here are a few tips to increase your credit score. Some may help you sooner than later, but all will help improve your score to a level that will be beneficial to you and your family. (more…)
Financial freedom is the goal that everyone strives for. Whether it’s paying the bills on time or banking an emergency savings fund, we all would like to move beyond the weekly grind. We all want to stop living paycheck to paycheck, of being trapped in a continual cycle of financial frustration and discontent. To be clear: the road to financial freedom is a long and winding one. It is, however, a road, and with the right directions, you can map a course that can get you to your destination.
You may have heard or read of many ways to work toward financial freedom. Setting goals are high on everyone’s list, but the key is actually taking those first steps, no matter how small, to move along the road in the direction of your destination. Though not comprehensive, here are 5 practical steps that you can take toward financial freedom. (more…)
Money loans have always been a quick and easy way to secure cash when needed. Perhaps no better time to consider this is in January. Into the New Year, the holidays have wound down, and the bills have started to hit the mailbox. For many, the Christmas season, with all the gift-giving, holiday parties, celebrations, travel, time off from work, combined with increased spending that goes with it, can add up to fresh debt. That debt, on average, according to consumer reports, is just under $1,000 come January. It can quickly snowball if not paid off quickly. Why? (more…)
Learning how to prevent identity theft can save you time, money, and serious aggravation. Identity theft can happen anytime. Your personal information can be pulled from a trash can. Your credit card number can be copied by waiters at a restaurant or clerks in a department store. Most people inadvertently give away too much of their personal information on social media, allowing any thief to ‘fill in the blanks’ once they have made an ‘in’ on who you are. As vulnerable as you are, there are still ways to prevent your identity from being stolen this holiday season. It begins with you! It is up to you to monitor your financial related accounts and personal data to protect yourself and your credit.
Below are 10 useful tips to aid and protect your personal information, which can help to safeguard your identity and your credit. (more…)
The joy and excitement of the holiday season is upon us, and with it comes the season of gift giving. With so many on your Christmas list, it’s easy to spend more than you have budgeted. If you are short of cash, holiday loans are a good option to avoid encountering financial troubles or regret come January, but they can also help your save this Christmas. Don’t let the holiday season become an emotional tug of war between your purse or wallet and the lure of online and local retailers. It’s important to have a spending strategy in place to ensure every stocking is stuffed and you make it through the holiday season in financial peace. (more…)
Learning to grocery shop on a budget is important, but it is especially essential around the holidays. Doing so is one of the best and easiest ways to pinch pennies, and help to ease you through the months ahead. It can be difficult. Rising food costs, combined with smart marketing can leave the most seasoned shoppers scratching their heads. However, it is possible to save, and you can take the upper hand. As you grocery shop this holiday season be proactive by having a shopping strategy in place. You will be pleasantly surprised how much money you can save. Here are 7 tips to get the most ‘bang for your buck’ this holiday season. (more…)
Personal loans are one of the more popular kinds of loans for consumers in Phoenix, AZ (or anywhere for that matter). This type of loan is a form of credit used for a specific purpose. It is unsecured, meaning, there is no collateral when borrowing as in the case with a mortgage or car title. All that is required by the lender for a personal loan is your credit score to determine eligibility, credit limit, and what the interest rate on the loan will be. (more…)
With the holiday season approaching, how to avoid fraud should be at the top of every consumer’s shopping list. Today’s world of online banking has simplified borrowing money. Yet, the new technology has been combined with old tricks to make it easier for scam artists. Financial scammers prey the most on people who have the most to lose. They do not discriminate by age or class, ethnicity or religion, only on the uninformed. Individuals seeking loans around Christmastime are particularly vulnerable. (more…)
College students and fiscal responsibility. Historically, these two categories are not the best combination. College typically marks the first time the majority of students are on their own, socially, scholastically and financially. Students will face difficult financial decisions when it comes to money management, as they have to balance tuition, books, supplies, food and spending money. This financial balancing act can be problematic for anyone, let alone college students. Below we point out some common financial traps for college students to avoid and some tips for staying on budget.
Where do you turn to when an unexpected, costly life emergency pops up? The average person is not going to have $3,000 just sitting around waiting for an emergency to happen. Life can be expensive. Most people will seek out an auto title loan to help bridge the gap. But what do you do when you are still making payments towards your vehicle and the title is not in your name? Say hello to registration loans. (more…)