Merriam-Webster defines debt as something owed: obligation, which is strictly a definition with no emotion to it. However, Merriam-Webster’s other definition of debt is sin, trespass. While debt may have been a sin in Biblical times, most of us don’t think of it that way now. Most of us accept that debt is just a [...]
Tag Archives | Credit rating
How to Avoid Going in Debt for the Holidays
Make a List and Check it Twice One of the easiest ways to limit the chances of going in debt is to plan your purchases. Did you know that 80% of impulse purchases are made because consumers perceive value when the item is on sale. Why do you think retailers have sales around the holidays? [...]
Streamlining Finances to Streamline Your Life
Taking care of your finances can be a bit of a daunting task, and can sometimes completely overwhelm you. While financial planning can be a burden, it doesn’t have to completely consume you. In fact, by doing so you can actually make your life much easier to manage, and make yourself more efficient overall as [...]
Financing Options for People with Bad Credit
These days many people suffer from bad credit. Lost homes, unemployment, bad decisions, and bad circumstances all have people looking at their credit scores like they represent a financial funeral. Unfortunately, this doesn’t mean that you don’t still need credit. Small Loans One option is getting small loans for bad credit. A small loan can [...]
The Effect of FICO Credit Scores on Wealth Creation
We all know that a good credit score can result in a better interest rate on loans but you may be surprised to learn that a bad credit score can affect you in ways you might not have thought about. In addition to paying higher interest rates, a poor credit score can result in higher [...]
Saving Money on Home Insurance
There really are no secrets to saving money on home insurance. The trick is to include evaluating your insurance needs as a part of your yearly financial review. Most individuals don’t do this and are losing out on potential savings. Here are some of the best ways to save money on home insurance: Shop around [...]
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