4 Ways Debt Can Affect Your Life

Everyone will encounter debt at some point in their life. It may happen right after college, being overwhelmed with the thousands upon thousands of dollars in student loan debt, or it could be from consistently frivolous spending for things you didn’t need, and don’t use even now. While some people can manage their debt, not everyone can do so, and this could severely impact and affect their life in many different ways.   You Are Stressed Money worries are one of the critical components of stress, and from stress comes anxiety and ... [read more]

8 Signs Debt Is Becoming A Major Issue

It’s fair to say that debt has become normalized in modern society. The statistics back this up: according to CNBC, the average person is carrying around $38,000 in personal debt - a figure that does not include home mortgages - and less than 30% of people can say that they have no debt. As a result of the above, it’s not uncommon for debt to just seem… fairly mundane. Part of life. Not something to be worried about. However, there is a big difference between debt that is controlled and being repaid, and debt that has spiralled into ... [read more]

3 Helpful and Useful Ways to Help Teens Establish Credit

As a parent, we all know about credit and how important it is for pretty much everything. From getting a home, job, vehicles and everything else you can think of. Growing up that wasn’t always the case because, quite frankly my parents didn’t team me about it. Honestly, I didn’t know anything about credit until it was too late because I didn’t have any. When I went to get me a car, I heard that having no credit is worse than having bad credit. Now that I’m a parent myself, I don’t want my kids to suffer the same fate. When my son got his first ... [read more]

What’s The Difference Between The Hard and Soft Inquiry

We just wrapped up the Christmas holidays and I know many of you probably capitalized on those amazing credit cards offers you’ve been receiving. If the credit cards offers didn’t interest you, more likely those deals for a new vehicle caught your eyes. Either way, you went about filling out applications for credit or anytime you apply for credit they’ll pull your credit. A credit inquiry is a notation that goes on your credit report every time your credit report is accessed by anyone with a “permissible purpose,” as defined by the Fair Credit ... [read more]

The Importance of Good Credit when You Are Buying a New Car

If you are looking at purchasing a brand new or used car from one of your favorite dealerships, it definitely helps to have a good credit score. It doesn’t matter if you are buying a used car or a new one, if you are getting finance for it, then you will want to go in prepared with the best credit score possible. We all have a certain amount of money that we are looking to spend when we set out to buy ourselves a new vehicle. We know how much we can afford to spend, what sort of a vehicle we are looking at buying, and how much we can really ... [read more]

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