By Andrew from LendEDU – a consumer education website and financial product marketplace. Andrew has learned quite a bit about personal finance while writing and working for a consumer-oriented small business over the past several years. U.S. consumer debt is at an all-time high, with the average American holding 3.7 cards, according to a recent […]
Your credit score is more important than ever today. Employers, landlords, and college admissions offices will look at them as part of their screening process. Many employers will look at them before hiring a new employee. On top of that, of course, banks will base most of their credit decisions and loan approvals heavily on […]
It can be tempting to let tidiness and organization go out the window when you first grow up and move out of the house. The truth is, being messy can end up costing you a great deal of money. A cluttered world leads to a cluttered mind and messy decision making, especially financially. Being organized […]
Crafting a household budget is never easy, but it can be especially difficult when you don’t have enough income to pay even your most basic bills. It might be because you’re between jobs or currently have a job that doesn’t pay well enough to address all of your expenses. Either way, it’s especially important to […]
Personal finance fads come and go almost weekly these days, but some timeless pearls of financial wisdom will always ring true. Money has taken various forms over the centuries. It stands to reason that certain truths have been discovered along the way that tell people how to make the most of their monetary assets. Here […]
Credit cards can be a great financial tool, or a fast path to financial destruction. Credit cards make it easy to buy almost anything, but always at a much higher cost over the long term. They’re also a fantastic tool to improve your credit history as long as any carried balances stay low and ideally […]
Having ample savings is important to a stable financial future. As always, the difficult part is putting smart financial concepts into practice. If you find yourself living paycheck to paycheck, it’s difficult to reduce your take-home pay further by putting it into savings. Thankfully, even the smallest of contributions can have significant impacts on your […]
You just need to be smart about how you go about creating wealth. Exercise discipline, delayed gratification, and teach yourself to have an eye for opportunities. Making many small decisions every single day that help shape your financial future will go a much longer way than trying to come up with the next great invention. […]
No age is too early to start building credit. If your child is nearing the end of college, there is no better time than the present. Without a solid credit history, even a good job and significant down payment may not be enough for your child to obtain a loan. There are many great ways […]
Thanks to Murphy’s Law, financial surprises happen to all of us. Sometimes no amount of planning is enough. Your car, home, and pets are all at risk of being stricken by unexpected calamities. An ill family member or unexpected funeral travel is another common setback. If you haven’t read some of our previous articles about […]
Financially Fit Formula