A budget that’s strapped to the bare bones will struggle to perform its proper duties. If you think about a runner who has trained hard and has eaten the appropriate foods before race day, it won’t shock you to see it outperform those who did not. Most people do not take their finances to the runner’s extreme. There may be a budget plan, but it is not fine-tuned or run with precision. Money management is your budget’s marathon. Every day counts. There must be a healthy money plan in which … Continue reading →
Are you ready to break bad money habits? Some spending habits are easier than others to break and then re- build. One of the hardest habits to build is a saving one. As you cut back on spending, you should allocate the extra cash towards a savings account. It doesn’t happen without effort, but you can save more than you think if you set up an automatic transfer. There is not much involved in setting up automatic savings deposits. If you have not already signed up for online banking, now is … Continue reading →
If you see a “charge off” report on your credit history, your original creditor finally took your debt off of their books. What does this mean for your credit? Since the creditor reported the loss, your score will feel negative effects for the next seven years. Understand a “charge off” You had a credit card account that went unpaid. The creditor tried to collect but the debt went into default. What was once an asset to a creditor has now become a liability. Eventually, that creditor will ‘charge it off’ … Continue reading →
How much money do you have in your savings account? Are you able to help support an emergency cost with it or would you continue to use credit cards or safe cash advance online loans in order to make your budget work? Bankrate.com completed a survey that showed only 51% of all Americans have enough money in their savings account to be able to clear credit card debt. The latest result is the lowest percentage since they began tracking this information in 2011. With the increase in household debt, the results are … Continue reading →
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