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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...
The holidays are coming up quickly. Before you start accepting Christmas gift lists from your kids and other loved ones, you’ll probably want to figure out how you’re going to pay for all the extra expenses you’ll have over the next few months.
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.
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...
It seems like the 18 to 25 age group is often excluded when we talk about securing our financial futures. Everyone believes they have TIME to do certain things, such as getting a legal will drawn up. Oftentimes, this age group simply has not been educated on the financial habits to have once they turn 18.
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...
Want to free up more money in your budget to pay off debt? Here are 6 easy ways to lower your expenses in order to put more money toward debt.
2022 is here and some of us may not have been as productive as we thought we would be. No worries, there is still time to look forward to this year and set the bar higher or think out things you have to work on. Setting goals is exciting in the beginning, but so much...
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!
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!
I started teaching people about money as part of my own financial freedom journey as a single mom and never looked back.
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