Canva is an easy-to-use and affordable online graphics and designing tool. It is one of those great tools for beginners and professionals alike, making it a favorite in the industry. Not to mention, it is simple to use and sign up and remains highly affordable. I use Canva for my Pinterest pictures after I decided …
Finding the right credit card can seem like a daunting task because there are so many to choose from. They all have slightly different terms, interest rates, sign-up bonuses, rewards for specific types of spending, annual fees (or no fees), and other fine print. Knowing how to choose the right credit card among all the …
How to Choose the Right Credit Card in 4 Easy Steps Read More »
If you’re in the market for a personal loan, make sure you do your research and find a lender that can offer you the best rates. Be sure to read the fine print and ask the right questions to lenders. This will help you choose a loan that is within your budget. A part of …
Planning a cruise trip and wondering how to save money on a cruise? You can make your cruise trip fun and affordable while getting the most out of your money by researching the different cruise lines, planning the trip carefully, and spending wisely. However, it would help if you didn’t make such big decisions while …
In general, you will likely manage your monthly debt payments effectively if you have a low debt-to-income ratio. On top of that, banks and loan providers want to see a low DTI ratio before lending to a potential borrower. So the goal is to keep your DTI ratio low. However, if you’re new to managing …
What Is Debt-to-Income (DTI) Ratio and How Do I Calculate It? Read More »
To get out of debt, you need to understand which debts are bad for you and which are good. This way, you can prioritize your debt to avoid bad debt first. There is certainly an argument that there is no good debt at all, yet borrowing money and getting into debt is the only way …
Good Debt vs. Bad Debt (Is Good Debt Even A Thing?) Read More »
Keeping up with economic trends can make you anxious about your money decisions. Still, it’s important to be aware of the situation around you regarding your finances. Looking at personal finance statistics can help you avoid bad financial situations. General statistics provide a baseline for assessing your financial health. Especially when it’s about debt, you …
Credit cards play a major role in increasing your debt over time. However, opening a new credit card could be a smart financial decision if you’ve used a credit monitoring service to improve your credit score and have mastered your finances many times. Then again, choosing the right credit card service for yourself is just …
Getting out of debt on a low income can be difficult, but there are some tips to follow. Giving up on your morning Starbucks isn’t going to impact your finances greatly, but spending less can help. However, there are other more effective ways to manage your debt. Whether you can pay off your debt depends …
When your debts pile up, filing for bankruptcy can give you the time you need away from debtors to plan a solution. Under U.S. bankruptcy laws, an automatic stay prevents creditors from taking action against a debtor’s assets. This includes freezing bank accounts, seizing property, and collecting debt-related expenses. If you file for bankruptcy, an …
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