The holiday season is upon us again, which means it’s time for gift-giving and spending money. Listen, I know you want to make your family and friends happy by giving them all the things their hearts desire, but this year … Read More
Three Ways to Prevent Post-Holiday Shopping Debt
’Tis the season for debt! Are you planning to take out loans to pay for holiday gifts and Black Friday deals this year? Well, you’re not alone. Studies show Americans rack up an average of $1,000 of debt during the … Read More
What is a Paydex Score?
Establishing credit is an essential part of growing your business. When you begin to manage your business’s finances, and especially when you consider applying for a business loan, you’ll likely come across something called the Dun & Bradstreet Paydex score. … Read More
Pros and Cons of Refinancing
When you’re looking at lowering your cost on a house or car, you’re bound to wonder about the pros and cons of refinancing. Refinancing allows you to finance your purchase again while usually securing a lower interest rate. But refinancing … Read More
How To Choose The Right Credit Card
If you’re looking for a credit card, you might be wondering how to choose the right one, especially if you’re looking for the best deal on rewards or you’re trying to avoid fees. Choosing the right credit card is important … Read More
Top 5 credit cards for beginners
If you’re looking for a credit card, you might be getting overwhelmed with all the choices available to you. A good credit card could help improve your score and save you money in the long-term. In this post, you will … Read More
What Are The Different Credit Scoring Models
If you’ve been researching how to increase your credit scores, you may have come across several different types of scoring models. Keeping track of scoring models can be confusing, especially if you’re trying to achieve the best credit possible. In … Read More
4 Mistakes That Are Hurting Your Credit Score
If you’re trying to build your credit score, you might be wondering whether you’re making any crucial mistakes. Building a solid credit score can get you into your dream house or car and it can help to lower the monthly … Read More
Why Your Business Needs a Dedicated Phone Number
You’re on vacation with your family and then it happens … a business phone call. You thought an email auto-reply message was enough, but it isn’t. In fact, clients, vendors and team members still have direct access to you, and … Read More
What Is a Debt-to-Income Ratio?
If you’re trying to buy a house, you might have come across the term, “debt-to-income ratio.” The term can be confusing, especially if you’re a first-time home buyer. In this post, you’ll learn about the debt-to-income ratio and how you … Read More
4 Reasons to Choose Credit Over Cash
FACT: Cash is king, but credit is power. Let me explain … There’s a whole lot of bad talk about using credit cards and many personal financial gurus advise against it. But is credit really all that bad for you? … Read More
Three Benefits You’re Missing Out On if You Don’t Have Good Credit
Got bad credit? Here’s some much-needed truth for you: If your credit score is below 680, you’re missing out. You see, bad credit affects everything from relationships to housing, and it can put a strain your health too. While, repairing … Read More
7 Ways to “Make” More Money
Looking to “make” more money? Doing so will undoubtedly free up more funds for luxury vacations, that dream house or car you’ve been eyeing, college tuition for your kids and just an overall better lifestyle. But how do you “make” … Read More
Four Proven Ways You Can Fix Your Bad Credit Starting Today
Have you checked your credit report lately and didn’t like what you saw? If the answer is YES, then you might be wondering about some ways you can fix your bad credit history and boost your scores. Look, whether you’re … Read More
Do It Yourself Credit Repair Mistakes to Avoid
Do-it-yourself credit repair isn’t impossible, but it’s more complicated than people may realize. Without detailed knowledge of how credit works, it’s easy to jump on solutions that are anything but. Here are a few common credit repair actions that can … Read More
How to Get Your Business Credit Scores For Free
If you’ve been following us for a while, we know that you know why your personal credit score is a big deal, and where you can go to get your free personal credit report (HINT: www.annualcreditreport.com). But as a business owner, … Read More
Build Business Credit For Your Start Up
Are you using credit to help finance your new business venture? You’re not alone as statistics show that over 65% off all business owners use credit for business purchases. But what’s alarming is that only 50% of those cards are … Read More
What is a D-U-N-S Number?
Do you plan on getting financing for your business? If so, how would a supplier, vendor, bank or lender get a better understanding of your business’ credit history and creditworthiness? Today, we are going to dive into the D-U-N-S® Number … Read More
5 Simple Steps to Establish Business Credit
Why don’t more small business owners establish credit for their businesses? The likely answer is because many don’t know how to get started and where to find the right credit sources. We all pretty much know how personal credit works … Read More
How to Build a Money Plan You Feel Good About (aka a Budget)
Building a budget doesn’t have to be boring and it doesn’t mean you’ll never get to spend any of your money on fun stuff. If you make a good budget for yourself, you’ll be able to build a solid financial … Read More