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That tempting gadget might seem irresistible, but is it worth derailing your financial plans? Before hitting ‘buy,’ ask yourself: ‘Will I use this for a long time?’ or ‘Is there another... Continue Reading

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How Healthy is Your Debt-to-Income Ratio? How to Tell & 5 Ways to Lower Yours

Keeping your debts low is a fundamental aspect of sound financial management.

But how can you spot the warning signs that your debt is spiraling out of control? 

Thankfully, it’s possible to determine how much debt you have before your credit starts to decline or you realize you can’t make your monthly payments.

It’s called the debt-to-income ratio.

Here’s how the debt-to-income ratio functions and why keeping an eye on it – and making adjustments – is a wise move for improved money management.

What is a debt-to-income ratio?

The Top 3 Regrets From People With Bad Credit: Avoid These to Save Yours

A good credit score is vital if you want to make big financial moves.

However, if you’re on the edge of having a bad credit score, you can make decisions to improve it. One of the best ways to increase your score is to avoid the mistakes people have made with bad ones.

Here is some of the best advice for avoiding a bad score – from people who learned the hard way. 

What are the top 3 financial regrets those with bad credit state they should have avoided?

Today’s Affirmation

I am fully capable of reaching all my financial objectives. By investing in myself, I’m continuously enhancing my ability to earn more. I maintain a strict... Continue Reading

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