Getting a first or second chance to build credit with a credit card has been easier in recent years because financial technology companies have created alternative options. These new cards often evaluate applications differently from traditional credit cards, with algorithms and proprietary methods that may put less emphasis on credit scores while looking at factors…
Will Switching Car Insurance Companies Give You a Better Deal?
Car insurance rates have changed considerably during the pandemic. It has made many drivers uncomfortable with their current car insurance company, causing them to switch insurers for a better price. One company, CarInsurance, reported that from 2020 to 2023, so far, the average cost of car insurance premiums had increased by 14 percent. In the…
Why You Should Check Your Credit Report Annually
Negative information in your credit report can be detrimental to your finances. This information can prevent you from buying a home or car. Because of this, monitoring your credit report is imperative. But where do you find your credit report, and how do you read it? If you find a problem, how can you fix…
7 in 10 Working Australians Do Not Know Their Credit Score
Over 14 million Australians may have no knowledge of their credit score despite the importance of the financial statistic in people’s daily lives. According to a survey by the financial comparison company Finder, seven in ten respondents did not know their credit score. Further, over 40 percent of those surveyed had never checked their credit…
How to Build a Great Credit Score
If you are a legal adult U.S. resident, somewhere there is a three-digit number between 300 and 850 with your name on it. Your credit score measures your creditworthiness, which is the likelihood that you will pay your bills. Establishing good credit has never been as important to your life as it is today. You…
3 Signs You May Need a Credit Card Hiatus
When your finances start to spiral and it becomes increasingly difficult to keep up with credit card payments or build toward financial goals, switching your payment method temporarily to cash or debit could help. Spending with credit cards can stimulate the brain’s reward center and drive you to make more purchases, according to a recent…
How to Lower Your Personal Loan Payments
By Baruch Mann (Silvermann) Personal loans are a great way to access funds for various business purposes, but if the payments are too high, they can become a burden on your cash flow. With rates increasing, you may find that your personal loan repayments have become more expensive. Whether you have just one personal loan…
Go Bankless With a Cash-Only Lifestyle
May 23, 2023
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Even though most Americans regularly use credit cards, many still operate on a cash-only basis. After recent bank collapses, more Americans have taken their money out of the banking system and are looking to go bankless. According to the Federal Reserve, in 2020, about 81 percent of Americans were “fully-banked.” It means that they did…
14 Ways to Revamp Your Personal Finances Even When Money is Tight
April 15, 2023
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Many of the opportunities available to you are dictated by your financial situation, making it difficult to overstate the importance of taking care of your personal finances. When it comes to managing money, most of us have room for improvement. Understanding your current financial situation, setting goals, and making a plan are all important steps…
10 Best Credit Cards for Fair Credit
Having a credit card offers a wide range of benefits. Hit with an unexpected expense like a flat tire or broken water pipe? You can take care of it right away and pay off the bill over time. You can also keep an itemized list of payments, apply for loans and even earn rewards like…
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