Loans & Credit Tips
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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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How Many Points Does a Collection Drop Your Credit?
If you’ve run into some bad luck fiance wise, you might have ended up with a collection on your credit report. If so, that’s never a good place to be. So, you might be wondering how many points does a collection drop your credit score. Read on for the answer. How Many Points Does a […] More
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Leaving the Country with Unpaid Credit Card Bills (Should You?!)
Do you have a stack of unpaid credit card bills? Do you get a sinking feeling every time you go to the mailbox or your phone rings? It’s a terrible situation to be in. What if you’re thinking about going overseas and leaving the country with unpaid credit card bills? Is that possible and what […] More
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Can You Cancel a Personal Loan?
So, you decided to get a personal loan to pay off debts or consolidate debts or maybe even to take a trip, but now you have changed your mind. You want to give it back, but can you cancel a personal loan? It all depends. A personal loan goes through several stages, so whether or […] More
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Personal Loans for Bad Credit – What You Need to Know
Anyone can get themselves into a jam when it comes to their finances through no fault of their own. Heck, I’ve been there. (Check out how I paid off $30K in debt in 9 months and here’s how I got myself into such a mess.) And sometimes the best option is a personal loan to […] More
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Do You Need to Worry About Your Debt-to-Income Ratio?
I get it. Understanding your debt-to-income ratio isn’t the most interesting topic in the world, but it’s crazy important. If you want to get a car loan or a mortgage or even a credit card, this is one part of your credit score that a creditor is going to take a really close look at. […] More
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How to Crush Your Student Loan Debt & Change Your Life
By the time I finished college, I was $87,000 dollars in debt. $57K of that was student loan debt. I talk about how I ended up in this situation here and how I paid off the other $30K as well. I didn’t want to continue living with this massive amount of debt hanging over my […] More
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Car Title Loans – How They Can Destroy Your Life
I know how it is sometimes. It seems like no matter how hard you try you can’t get ahead, and just when things are as bad as you think they can get, something else happens to make them just that much worse. An emergency pops up and you start thinking about car title loans as […] More
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Is Using a Personal Loan to Pay Off Debt a Good Idea?
Hmm… a personal loan to pay off debt…is that a good idea or a bad one? Well, it all depends on your personal situation and what you do after you get the loan. I lay it all out for you, so read on. Should You Use a Personal Loan to Pay Off Debt? If you […] More
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