WM Team

In our mind, personal finance resources should be free and easy to access for everyone. That being said, our main goal is to educate our audience by providing unique content containing tips, deals, strategies, and resources that foster better money habits!

How to Choose the Right Credit Card in 4 Easy Steps

How to Choose the Right Credit Card in 4 Easy Steps

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 …

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What Is Debt-to-Income (DTI) Ratio and How Do I Calculate It?

DTI ratio

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 …

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Average American Debt – How Do You Compare?

average American debt

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 …

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What Is An Automatic Stay In Bankruptcy?

bankruptcy

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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8 Easy Steps To Buy Your First Rental Property In 2022

rental-property

Buying rental real estate requires understanding leases, mortgages, tenant and landlord relationships, and property management. Real estate can be a profitable investment, but it has its own challenges and benefits. If you’re new to purchasing property, don’t worry. A study found that 81% of landlords who invested in their first property did not have prior …

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