How to Pay Off Debt Faster on a Low Income

pinterestinstagram If you’re currently drowning in debt and tried every method but nothing seems to work, keep reading.  Regardless of how much you owe, the first step is the same. Start with identifying the number one reason you want to get out of debt. I’m not just...

Should you Do a Balance Transfer?

Should you Do a Balance Transfer?

Doing a balance transfer is an effective way to pay debt faster with the benefit of a 0% APR.  The number one question you should ask yourself before doing a balance transfer is if you are financially capable of paying off the credit card during the introductory...

How to Improve your Credit Utilization

How to Improve your Credit Utilization

Improve your credit score by paying twice a month! Let’s start by defining what utilization rate is and the importance to your credit score. This is a ratio of your current debt to your credit card limit.  A lower utilization is ideal (below 30%) as it shows that you...

How to Improve your Credit Score

How to Improve your Credit Score

Let’s start  first by identifying what are the factors that determine your credit score: FIVE factors determine your credit score: 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐡𝐢𝐬𝐭𝐨𝐫𝐲 (𝟑𝟓%): tracks whether or not you pay your bills on time 2. 𝐂𝐮𝐫𝐫𝐞𝐧𝐭 𝐝𝐞𝐛𝐭 (𝟑𝟎%): The debt you currently carry compared to...

Budget to Level up your Money Goals

Budget to Level up your Money Goals

YOU DO YOU! Budgeting requires time and effort. I’m not going to lie, but the most effective way to get out of debt faster is by developing a budgeting technique and sticking to it. Choose one and do your best to stick to it for at least 3-5 months, then evaluate your...

How to Ask your Employer to Start Offering a 401K

How to Ask your Employer to Start Offering a 401K

You have to start thinking like your employer! Think cost and effort. The first thing that comes to your employer’s mind is: How much is going to cost me? Besides mentioning the advantages of having a 401k such as employee retention and low-employee turnover, Your...

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