High Credit Utilization Ratio? Here’s What To Do

High Credit Utilization Ratio? Here’s What To Do

Most people who have credit cards know that getting into debt is a slippery slope. According to a recent study by the Federal Reserve Bank of New York, 1 in 5 Americans are maxed out on their credit cards due to rising prices and higher interest rates. Credit card...

The Debt-to-Income Ratio Calculation

The Debt-to-Income Ratio Calculation

When you apply for a new loan, the lender looks at a few major factors to decide if you’re a good candidate. The first is your credit score and the second is your debt-to-income ratio (DTI). Your DTI tells lenders if you can afford the loan. If it’s too high, you’re...

Top 3 Reasons To Be Debt Free

Top 3 Reasons To Be Debt Free

We’ve been hearing since last year that a recession is coming. Things seem good though. There are more jobs and people are spending money. Recession, smession! Well, recessions generally follow the good times. It’s that up and down roller coaster ride our economy is constantly on!

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What Working With a Financial Coach Can Do for You (And Your Wallet)

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Easy Ways for Entrepreneurs to Invest in Retirement

Having enough money to retire is a constant concern for most Americans. The truth is, most people don't have enough money to retire when they're ready to stop working. As an entrepreneur, preparing for retirement is just as important even if you love the work you do....