Life gets expensive. Sometimes, going into debt is part of life: for example, you need money to buy a car to go to work (so you have money to pay off your car!). For some people, debt becomes comfortable. It lets us finance the things
No credit score? A credit card can still be in your future. A handful of major banks are rolling out new credit card options that will factor in your banking habits as part of the approval process. If you’re a diligent banker with good money
Rewards-based credit cards can help you get a little something back from the purchases you make every day. But what happens to the points you accumulate when you get a refund for an item? In a perfect world, the points or rewards you earned would
How many credit cards should I have? That’s a common question, one that doesn’t have a straightforward answer. That’s because the “magic number” of credit cards depends on a lot of things, such as income level, debt, spending habits, expenses, and a myriad of other
Bank fees are often the price of doing business with a bank. But can bank fees be negotiated, or better yet, removed altogether? The answer is yes, but it’s complicated. Keep in mind that a bank is a business. They might be providing a free
The pandemic reshaped a lot of moving parts of daily life, everything from how we shop to how we eat and even how we access bank accounts and get approved for loans. Stores and restaurants have reopened, but many experts believe the changes to lending
The expanded child tax credit payments are slated to begin July 15. But should you graciously accept the payments or try to opt out of the child tax credit (for now)? The new tax credit is being partially prepaid to qualifying families with children based
For families with children up to 17 years old, more pandemic financial relief is coming. The Biden administration recently announced an expanded child tax credit that begins in July. It allows families to take advantage of a large slice of the tax credit before they
When you’re broke, do you really need a budget when you don’t have much to work with? I get this question A LOT, and let me tell you, there isn’t a single person on earth that’s exempt from budgeting their money. It doesn’t matter how
If you met with hard times and had no choice but to file bankruptcy, your dreams of homeownership aren’t over. Today, bankruptcy isn’t a sign of failure. It’s a sign of a certain level of responsibility. You were able to realize you couldn’t get out
