by Viviana | Sep 21, 2020 | Trending |
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... 
by Viviana | Sep 19, 2020 | Trending |
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... 
by Viviana | Sep 14, 2020 | Trending |
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... 
by Viviana | Aug 17, 2020 | Trending |
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... 
by Viviana | Aug 2, 2020 | Trending |
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... 