Loans & Credit Tips
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How Big of a Home Loan Can I Afford (7 Factors)
If you’ve been thinking about buying a new home, you might be wondering how big of a home loan can I afford? The answer will depend on several factors such as your income, how much debt you have, and how big of a down payment you have. How Big of a Home Loan Can I […] More
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Why Are We Being Denied Loans with Good Credit and Income
You might be thinking, we work hard and make a good salary. We pay our bills on time, so we have a good credit score, so why are we being denied loans with good credit and income? There are several reasons this might be happening to you. Read on to find out why. Why Are […] More
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How do I Get My Money Back From Someone Who Borrowed It
You may have heard the expression before, never a lender nor a borrower be. It’s not a bad rule to live by. Too often when you lend someone money, they don’t pay it back. That can cause all sorts of issues and ruin a good relationship. So, if you find yourself in this situation you […] More
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What is the Risk of Using Loans and Credit Cards to Buy Whatever You Want?
You see something you want but you don’t have the money for it. Why not just whip out your credit card or sign on the dotted line for a loan? It is tempting. We live in an “I want it now,” world, so why not? Really, what is the risk of using loans and credit […] More
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How to Refuse Lending Money to a Friend
When a friend asks to borrow money, it puts both of you in a difficult position. This is especially true if you don’t want to lend them money. You don’t want to upset them, but you don’t want to be their personal bank every time they get into a tight financial situation. So if you […] More
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Should I Buy a New Car or Keep My Old One
It’s normal to want a new car. I know I’d love one, but instead, I keep driving my old one. There are good reasons to buy new and not to buy. So, if you’re wondering should I buy a new car or keep my old one read on for the pros and cons of both […] More
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Should You Lend Family Members Money
Lending money to friends or family is a tricky business. It can lead to bad feelings and worse. In fact, you might even end up in court if things go sideways. So, before you decide should you lend family members money, take into consideration these pros and cons. Should You Lend Family Members Money There […] More
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Should I Buy a Car Right Now?
You may want to consider whether the time is right for you to buy a new car. Is this the time in your life where you want or need to make a big purchase like this? Have you saved up enough money? Are there any other bills that need paying off as well? Do you […] More
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What is The Home Value to Income Ratio
When you’re thinking about buying a new home, there is a lot to think about. From credit scores to debt-to-income ratios and even the home value-to-income ratio. But what is the home value to income ratio and why should you care about it? What is the Home Value to Income Ratio If you are having […] More
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28/36 Rule – What is it and Why it Matters
If you’ve been thinking about buying a house, then you might have heard about some mystery rule called the 28/36 rule. But what is it and why should you care? Let’s find out… What is the 28/36 Rule The 28/36 rule is a guideline used in the financial world. It can be used to determine […] More
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How Much Will Your Credit Score Increase if a Negative Item is Removed?
If you’ve got a negative item such as a late payment or a collection on your credit report, you might be wondering how much will your credit score increase if a negative item is removed. Well, here is an idea of what you can expect. How Much Will Your Credit Score Increase if a Negative […] More
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Is it Worth Going into Debt for College?
If you’ve been thinking about starting college, you might be wondering is it worth going into debt for college. There’s no easy answer here, but there are a few things you should take into consideration before you make up your mind. Is it Worth Going into Debt for College? I was just having this very […] More
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