What Your Credit History Does to Your Car Insurance Rate
Car insurance is expensive. As of 2025, the average American pays $ 2,149 annually for full coverage car insurance. With such high costs, most people would do almost anything to get their insurance rate down. What you might not realize is that the answer might lie with your credit. Your credit history significantly impacts your […]
The Consequences of Missing Loan Payments
Dealing with debt can be incredibly stressful. And it’s even more so if you can’t make your payments. If you have a loan you’re struggling to keep up with, it’s essential to know what to do. Ignoring the problem isn’t an option. In fact, it can make things spiral out of control and lead to […]
Credit Cards: Pros and Cons – A Balanced View
Credit cards have become ubiquitous tools for almost everyone, and some merchants are only accepting these plastic rectangles as a form of payment. These small rectangles offer convenience and financial flexibility, but they also come with significant responsibilities and potential pitfalls. We are here to examine both sides of the credit card equation, providing a […]
How to Use Home Equity to Manage Debt
People can accumulate debt for many reasons. It can be due to student loans, medical emergencies, overspending, or poor investment decisions. If you have debt, know that you’re not alone. As of 2024, the average American holds just under $105,000 in debt across mortgages, car loans, student loans, and credit cards. That’s a high number […]
5 Steps For Planning For Debt in Retirement
You work hard all of your life to get to retirement. Those golden years are meant to be a peaceful and enjoyable time. However, that dream might be in jeopardy if you aren’t financially secure. You need to have enough savings to enjoy retirement. According to one survey, most Americans think they need $1.26 million […]
Tackle Credit Card Debt and Boost Your Credit Score With These Proven Strategies
Having credit card debt is often incredibly stressful. Not only do you need to create a plan to pay what you owe, but you may find it difficult to access new lines of credit you need until you take care of your current debts. The high interest rates, late fees, and other charges of many […]
Refinancing Loans: How It Works and When It’s Beneficial
Americans are struggling to keep up with their debt repayments more than ever. The number of households having missed loan payments for 90+ days on some loans is at 14-year highs. If you’re having trouble paying your loans on time, one possible solution is loan refinancing. But a refinance isn’t the answer for everyone’s situation. […]
Creating a Realistic Budget in 8 Steps
Debt can feel like a storm cloud that follows you wherever you go. Whether you are drowning in credit card debt, student loans, car payments, or personal loans, debt can play a huge role in your future financial decisions and your future. But here’s the truth: You can take control. And it starts with one […]
A Guide on Loans: Auto, Personal, Student, and Mortgage Loans Explained
It’s unlikely that you’ll get through life without needing to borrow money at some point. People can get away without using credit cards, but it’s much harder to pay for life’s biggest expenses in cash. Loans are often used to finance larger purchases so you don’t have to delay the purchase by years while you […]
How Much Does Your Credit Score Matter For Your Loan?
You’ll probably need to apply for a loan at some point in your life. You might need it to purchase a car or a property, get through emergency bills, or start a small business. Whatever the reason, you’ll quickly learn that your credit plays a significant role. Your credit score will impact not only your […]
