Today we have an awesome guest post about credit from LaToya Irby. Make sure you check out her bio at the end of the post.
Your credit score isn’t something you use every day, but when you do need to use it, you need it to be in good shape. Building and maintaining a good credit score is much easier when you understand how it works and what does and doesn’t affect it. There is a lot of misinformation floating around the internet about what a credit score really is, what counts as good credit, and how people can improve their credit scores. Here are 9 things every responsible adult should know about their credit score.
Can you believe that it is already March? Time sure is flying this year! If you are like me, you may have made a vision board or list of goals for 2017. How is it going so far? If your goal was to save more money this year, you are in luck because I am going to break down 5 easy steps for you to save more money this year.
There are so many reasons that you might want to save more money this year. A few of them include:
Personally, one of my goals for 2017 is to increase my net worth. If you aren’t familiar with what net worth means, it is your total assets after subtracting all your liabilities. For example, add up your saving account, investment account, retirement accounts and other assets (like home/car/etc…). Then subtract all of your liabilities like any credit card debt, student loan debt,
Saving more money is the number one way that I am going to be able to increase my net worth. Check out these 6 steps that I am taking to save more money.
A new year is a time to start fresh and set new goals. One SMART financial goal that many of you all set was to earn extra income in 2017.
Earning extra income can help you achieve so many other goals like:
The great thing about all of the options listed below is that you can do them simultaneously with your full-time job. In addition, you can try multiple avenues in order to create multiple streams of income.
Without further delay, check out these 17+ Ways to Make Extra Income in 2017!
Tax time is in full effect! It is easy to tell by the constant social media statuses ranging from just filed my taxes to heading to the mall with my refund check and even others suggesting what you should do with your tax refund. Ultimately, what you do with your 2017 tax refund is up to you but I want to help you make the most of it.
Check out these 7 ways to invest your 2017 Tax Refund.
This post is sponsored by 1040.com. All thoughts are my own.
Can you believe it is already February?! Time is surely flying this year. February typically means Valentine’s Day and President’s Day but tax season is also in full swing! If you haven’t filed your tax return yet, you are in luck. Today I am going to explain 3 reasons you should file your tax return with 1040.com!
This is a sponsored post.
Online trading can be a great deal of fun and, naturally, there is always the distinct possibility of enjoying substantial returns over time. Some approach investing as a hobby while others focus on making it their primary income source. Regardless of intentions, emotion always plays a role in trading. It should also be mentioned that “trader anxiety” is actually much more common than many believe. Are there any ways to mitigate the effects of such an emotion and how can you “pay it cool” when the heat is on?
This is a sponsored post.
You need to insure your home, but don’t want to pay too much for home insurance. Saving money on insurance involves investigating to find low-cost policies as well as keeping an eye out for discounts and things you can do to pay lower premiums. Getting advice from an agent is also one way to shave off extra money from your monthly premiums. Insurance is a necessity, but that doesn’t mean that you should take the amount you are paying each month as a given. In addition, it is worthwhile to negotiate with companies to find the best rate.
During December the U.S. Federal Reserve announced an increase in interest rates. The Fed raise the benchmark federal funds rate from the most recent range, between .25% and .5%, to a new higher range .5% and .75%.
The Federal Reserve’s decision about interest rates will have a direct effect on you. An increase in interest rates affects the prices of goods at the store and how quickly the prices go up (i.e. inflation). In addition, they have a direct effect on the money in your savings account, the interest rates you pay on credit cards and loans, and how much car or home you can afford.
Investing is making your money work for you. You can make your money work for you with a variety of vehicles like mutual funds, stocks, bonds and real estate. Myths about investing are everywhere! Myths about investing are especially rampant on social media. The thing is myths about investing are keeping people on the sidelines.
Investing truly is the only way to create long lasting wealth.
Check out these 5 myths about investing debunked.
Happy New Year! With a new year, comes a chance to set new goals and resolutions to achieve. The best way to achieve your desires is to set SMART goals. SMART goals are specific, measurable, attainable, realistic, and timely.
The SMART methodology can be used for any goal that you wish to set. For example, if your goal for 2017 is to lose more weight you could make that a SMART goal by saying the amount of weight you want to lose each month and what you will do to achieve the goal.
Today, we are going to focus on SMART financial goals.