Our life is a reflection of our habits. If you have bad financial habits, your finances probably show it. So if you want to reform your finances, you have to reform your habits. The key is consistency—make good choices on a consistent basis and watch your finances change.
We all know the importance of saving money for a rainy day, but what is the best way to save and how do you use what you have saved? Effective saving is not as simple as depositing money into a savings account—but it doesn’t have to be complicated either.
Many people associate the idea of networking with a hard sell, but networking has evolved as new technology has become available. It’s easier than ever to grow your network without resorting to pushy tactics.
These days, most everyone participates in some form of online banking—such as double-checking account balances or paying bills online—but that doesn’t necessarily mean they’re using an online bank. Most banks today offer some form of online access; however, a unique form of bank is cropping up all over cyberspace and what these banks lack in bricks-and-mortar, they make up for in benefit and savings.
Life happens—student loans pile up, medical emergencies take us by surprise, and before we know it, we’re drowning in debt. It can be challenging to maintain a payment schedule in the midst of a mountain of debt, but it could be one of the most important financial moves you make. If you think debt is bad, delinquent debt is much, much worse.
With the potpourri of healthcare options on the table, you’ve probably heard of a Health Savings Account (HSA), but do you understand what exactly it is, how it works, and whether you need one?
Your credit score is vital to your financial health and wellbeing. It’s easier to maintain a good credit score than it is to improve a bad one. Follow these simple steps to stay on the right track and maintain a credit score you can be proud of.
Remember how fixated you were on your GPA during school only to find out later in life that no one ever asks you what your GPA was? Well, did you know that in real life you have a different kind of GPA that actually does matter? It’s called your credit score and it is critical to your ability to get credit.
Most people cringe at the thought of their credit report, but it’s a fact of life—we all have one. Rather than shying away from your credit report, face it head on, manage it, and use it to your advantage. Take charge of your credit report instead of letting it take charge of you.
If you’re drowning in debt, it can seem impossible that you’ll ever be able to get out—but you can. It takes commitment and diligence, but you can create a debt-reduction plan and get out of debt one step at a time.