Reading Time: 3 minutes Starting with your first credit card, everything you do that involves credit becomes part of your credit history. That’s why when you go through something like bankruptcy, your credit score takes such a hard hit. It’s on your record for several years but there are things you can do to help. To have a good […]

Reading Time: 3 minutes Wanting to finally travel but don’t feel like you have the funds to do it? This is a common feeling especially among Millennials who are in the workforce. The demanding, long hours of the hustle combined with expensive rent make it difficult to wander the world and learn about people, cultures, and food. It’s hard […]

Reading Time: 4 minutes According to the CFPB, financial well-being is defined as, “A state of being wherein you have control over day-to-day, month-to-month finances; have the capacity to absorb a financial shock; are on track to meet your financial goals; and have the financial freedom to make the choices that allow you to enjoy life.” Don’t be overwhelmed […]

Reading Time: 2 minutes The average US adult spends hundreds of dollars every month on meaningless expenses. Are you ready to be different? Check out these 5 simple (and I mean super simpe) ways to stop losing money. What do you intend to do with the money you save?  Stash it away for a vacation?  Buy that item you’ve […]

Reading Time: 3 minutes A house could be the biggest acquisition you could make (unless you’re interested in real estate of course). Oftentimes, many underestimate the costs of securing a house, particularly when it is their first. Across the internet, you’ll find thousands of articles on this very topic but out of all of the advice out there, there […]

Reading Time: 3 minutes Books are the greatest sources of knowledge. Through books, we enjoy learning from superior minds. However, the reading culture is rapidly fading and that perhaps explains the financial quagmire in which we find ourselves as a nation. Annually, the American Psychological Association conducts a survey to ascertain where the populace thinks we stand financially. Over […]

Reading Time: 3 minutes Having the debt monkey on your back is quite exhausting. Despite the efforts you put into making your minimum payments, your balances just never seem to budge. And when you fall behind on your payment plan and the debt is transferred to a collection agency, you have to deal with the added stress of constant […]

Reading Time: 3 minutes The main problem that lies with using a credit card is that debt is inevitable. Most people now use credit cards instead of cash. If you aren’t disciplined with your purchases, you could end up having a mountain of debts to pay off. Spending with credit cards is not as easy as clearing the debt […]

Reading Time: 4 minutes Debt consolidation is a plan that combines all of your unpaid debts into a single monthly payment. This is usually achieved through a debt consolidation loan. A consolidation loan will reduce the balances to zero on the accounts included then requires you to make monthly payments to the loan company in place of your numerous […]

Reading Time: 3 minutes Do you have a lingering debt? If yes, it can become annoying especially after making payments that do not add up. Moreover, when a collection agency decides to interfere, you might have to deal with a lot of stress. Gold West Financial Even if this situation looks bleak, you could save yourself with a debt […]