Another new year brings another set of resolutions — many of which involve saving more money and budgeting effectively. Whether you’re currently in school or have been in the workforce for a few years, it’s…Read More of the article "New Year, New Financial Perspective"
When potential creditors (such as banks, loan providers, or credit card companies) request your credit report, it can be done in one of two ways: a hard inquiry or a soft inquiry. You may have…Read More of the article "Your Credit Report: Hard Inquiry vs. Soft Inquiry – What’s the Difference?"
The majority of college students now graduate with student loan debt. By keeping your borrowing to a minimum, you’ll have a much easier time in repayment. It’s important to know your expenses and financial resources…Read More of the article "Back to School Finances and Budgeting – Be Prepared and Informed When You Start School"
As graduation season approaches, you may notice more and more ads promoting student loan refinancing. You may also be getting offers in the mail from companies offering to “lower your rate” on your student loans….Read More of the article "Student Loan Refinance 101 – For New Graduates"
For undergraduates and graduates considering student loans to help pay for their education, finding a low interest rate loan is important. Understanding how rates are set and how they potentially change over time can help…Read More of the article "How Are Interest Rates Determined on Student Loans?"
You’ve finished off the leftover turkey and dressing and have shifted gears into holiday shopping mode. As another year comes to a close, it’s a good time to look back on how you managed your…Read More of the article "Planning for the New Year"
Have you ever applied for a loan from a bank and wondered why you were quoted a certain interest rate? I remember when I applied for a loan to buy my first house. I had…Read More of the article "What You Can Do to Improve Your Credit Score"
If you’re reading this, you probably have at least one credit card already. Credit cards can be a helpful tool when used appropriately, including helping you establish credit and build your credit score. However, you…Read More of the article "Take Control of Your Credit Cards"
Congratulations! You’re graduating soon and will be searching for your first job out of college. It’s an exciting time in your life. However, if you’re like the majority of college students, you’re also graduating with…Read More of the article "Student Loan Repayment – What to Expect as You Prepare to Graduate"
At the end of each year, I take the time to review my personal finances to see how I’m progressing towards my goals and to make any needed course corrections. I refer to this annual…Read More of the article "Get Your Financial House in Order"