Practical guidance, no jargon.
How to Monitor Your Credit and Identity Without Paying for a Subscription
You don’t need a pricey credit-monitoring service to keep an eye on your financial reputation. You need a simple routine that t...
Read More
The Debt Clock Is Ticking: How Statute of Limitations Can Save You From Old Collections
You get a call about a credit card you stopped paying years ago. Your stomach drops. Before you panic or pull out your wallet, ...
Read More
How to Talk to Debt Collectors Without Giving Away Your Power
Debt collectors are trained to keep you on the phone, keep you talking, and keep you off balance. You do not have to play that ...
Read More
Build a Small Emergency Fund While Paying Off Credit Card Debt
Paying off credit card debt and building an emergency fund can feel like two goals fighting for the same paycheck. You want the...
Read More
How to Fight a Collection Account You Don’t Actually Owe
A collection account on your credit report can feel like a financial mugshot. It shows up, drags down your score, and can make ...
Read More
How to Dispute Credit Report Errors Without Losing Your Lunch Break
Pull your three credit reports from the official government-authorized source, not from a random site that charges a subscripti...
Read More
Frequently Asked Questions
Credit mix refers to the different types of credit accounts you have, such as revolving credit (e.g., credit cards) and installment loans (e.g., a mortgage or auto loan). Having a diverse mix can positively impact your score, as it shows lenders you can manage various types of credit responsibly. It accounts for about 10% of your FICO® Score.
The two main types are full-service brokerages, which offer investment advice and portfolio management for higher fees, and discount brokerages, which provide a platform for you to make your own trades for low or no commissions. Online brokers are a popular type of discount brokerage.
Healthcare costs are a significant retirement expense. Medicare Part B and D premiums, supplemental insurance (Medigap), and out-of-pocket costs must be factored into your income plan. Long-term care costs should also be considered.
Calculate the total amount needed for each goal and divide by the number of months until you need the money. For example, for a $1,200 vacation in 12 months, save $100 monthly.
Not necessarily. The goal is to be intentional and gradual. It's reasonable for your spending to increase slightly over time, especially on things that genuinely improve your quality of life. The problem is automatic, unconscious spending of every raise.
Get Free Tips on Debt & Credit Recovery.
Sign up for practical, judgment-free guidance delivered straight to your inbox. No spam, unsubscribe anytime.