5 Banking Fees You Should Avoid Paying

5 Banking Fees You Should Avoid Paying

Did you know that 1 in 4 Americans with a checking account are paying banking fees costing an average of $24 per month? That's $288 per year which may not seem like much, but it's actually a lot to spend on fees. This money could probably be best used elsewhere in...

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...

Hosting A Holiday Party Without Going Broke! #MoneyChat

Hosting A Holiday Party Without Going Broke! #MoneyChat

A lot of times, we commit to something months in advance and then when it comes time to do it, we almost wish we hadn’t. This often happens with holiday parties. It sounds good in October when things are light and you are excited about the upcoming festivities, but as more and more piles on your plate, it seems daunting as party time gets closer.

Am I Spending Too Much on Groceries?

Am I Spending Too Much on Groceries?

One of my #MoneyChat'ers asked if they were spending too much on groceries. Interesting and valid question. Outside of the fact that EVERYTHING is so expensive right now, starting with groceries, sometimes we can get too happy in those specialty food stores with the...

How To Use Your Tax Refund Wisely

How To Use Your Tax Refund Wisely

It seems like everyone spends money like crazy during tax season. People will buy 70 inch TV's, designer handbags, and even a brand new car. While it's okay to treat yourself, using your tax refund to buy a bunch of items you don't need, only to be broke again in a...

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How to Get One Month Ahead on Bills

Living paycheck to paycheck can be exhausting. The constant worry about whether you’ll have enough to cover rent, utilities, and other essentials before your next payday is stressful and limiting. But what if you didn’t have to live that way? Imagine if you could get...

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...