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Should You Have a Secret Fund?

April 28th, 2016

Having a budget can become an essential part of your money management behavior. Planning where every cent of your income will go can help eliminate debt and frivolous spending. Having an emergency fund can help you plan for unexpected rainy days. In the event that you need money for something serious, an emergency fund can alleviate the pressure of certain financial obligations that you might find yourself saddled with. But what about the smaller emergencies? There might be instances where you need money but you don’t want to use your emergency funds. If this is the case, what do you do?


Debt Prioritization and Your Budget

April 26th, 2016

If you have debt then you know that, eventually, you have to take care of it. Everyone knows that holding on to debt has no positive effect on your finances or your FICO score. Through debt management, debt can be made to work in your financial favor. Handling your debt responsibly can lead to an increase in your FICO score and a much easier time applying for credit in the future. One thing that confuses people with debt is how they should prioritize their debt payments. Whether becoming debt free or managing your debt, debt prioritization is very important when budgeting your income.


Credit Card: The Best Way To Use Yours

April 21st, 2016

If you’re a working adult in America, chances are high that you own and use a credit card. Credit cards are convenient bits of money that can substitute for cash you do not have at the time. People use their credit cards for multiple purposes, from emergencies to frivolous items. Regardless of what they use their credit card for, one problem that seems to plague cardholders is their inability to pay off their credit card bill. Credit card debt is a serious matter that can easily creep up on any cardholder. Here’s the best way to utilize your credit card and avoid debt.


Minimum Payments: Helpful or Harmful

April 20th, 2016

Having the ability to make payments on your credit accounts can help to reduce the amount of debt you have. Just the act of making a payment can be seen as an act of good faith in the eyes of a creditor. In an attempt to make paying a credit bill easier, many credit providers give an option to make a minimum payment on the account to satisfy their monthly payment requirement. However, making minimum payments is not always the best way to go when you want to eliminate your debt. Here are some pros and cons in regards to making minimum payments on your credit accounts.


Spring Cleaning Your Finances

April 19th, 2016

When a new year comes to pass, many people may have an overwhelming feeling to get their lives in order. However, an even stronger moment in time that evokes the need to organize is the springtime. Spring cleaning is the perfect time to put your affairs in order. Any financial hangover from the previous year can be set straight with a few new behaviors, a new budget and a new spring cleaning mentality for your savings and your debt.