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Budgeting, debt relief, credit health, career tips and more.

Book Cheaper Flights Blog

7 Tips to Book Cheap Flights

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Flight prices frequently change, making it difficult to feel confident you are getting the best deal. Will it go up tomorrow? Will it drop in two weeks? Should I buy now or wait? There is no crystal ball or secret sauce to guarantee you’ll always find the cheapest possible fare. However, there are plenty of things you can do to feel more confident in your decision. Use these seven tips from experienced travelers to book cheap flights. 
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Debt Payoff Worksheet Blog

Debt Payoff Worksheet: DIY ‘Get Out of Debt’ Formula

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Ending your relationship with debt is a journey that takes time, planning, and ultimately, a little bit of math. We created a debt payoff worksheet to help you gain a good understanding of your income, expenses, and how much money you can put toward your debt every month. Our worksheet enables you to crunch the numbers to choose a strategy that is right for your circumstances. 
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Buying Home Seller's Market Blog

Buying a Home in a Seller’s Market: What to Expect

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It’s homebuying season! Demand for homes started growing in 2020 during the pandemic and shows no signs of slowing down. This is excellent news for sellers, who can get top dollar for their homes in a competitive market. On the other hand, buyers are facing new challenges that stand between them and their dream houses. 
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Wedding Debt: Why It’s Not Worth It and How To Avoid It

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For many couples, weddings are the biggest celebration they’ll plan in their lifetime. Between choosing the venue, bridal party, clothes, food, decorations, food and entertainment, it’s normal to feel excited and overwhelmed at the same time. Unfortunately, many couples also find themselves stressed and uncertain as they try to figure out how to foot the bill. While it’s tempting to rely on credit to pay for your big day, the resulting debt could start your marriage on the wrong foot….
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Pay per Delete Blog

What is Pay-for-Delete?

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“Pay-for-delete” is an unpredictable credit recovery practice and does not work 100% of the time. The process involves requesting the removal of a derogatory item from your credit report. It often involves paying a debt collector some or all of what is owed. People sometimes hire third parties who promise to work with debt collectors on your behalf. The strategy is risky and doesn’t always work in the consumer’s favor. 
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Pensions and 401(k)s Blog

Pensions and 401(k)s: Know the Difference

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Both pensions and 401(k)s are retirement savings plans, but they have many differences. When it’s time for you to retire, Social Security Retirement Benefits will cover approximately 40% of your average earnings. You can use a pension or 401(k) to make up the difference. 
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Money Advice for Your 60s and Beyond

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You’ve reached your 60s. Your hard work, saving and investing is about to pay off — you’re almost at the retirement finish line!  Before you kick back and enjoy your new adventures as a retiree, there are a few things you should do to set yourself up for financial success. You’ll also need to keep making smart money decisions so that your retirement funds last. 
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How to Change Spending Habits Blog

5 Ways to Change Spending Habits After Lockdown

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During times of crisis, it is normal to lean on vices like food delivery, alcohol, subscriptions, and online shopping for comfort and self-care. However, as the reigns loosen on COVID-19 restrictions these habits have become less necessary and could be wreaking havoc on your finances. Breaking spending habits is doable with patience and commitment. This blog includes 5 ways you can change the spending habits you developed during the past year. 
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6 Steps To Take When You’re Drowning in Debt

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When money is tight and you’re having difficulty paying your bills, it’s incredibly easy to make choices that make your financial situation worse. Getting a new credit card, sticking with minimum payments or skipping payments altogether may stave off the problem in the short-term, but could cost you even more down the road. If you feel like you’re drowning in debt, there’s still hope! Here are six steps you should take to keep your head above water and regain control…
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Cryptocurrency 101 Blog

Cryptocurrency 101: 4 Types You Should Know

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As of June 2021, there are 10,000 types of cryptocurrency. Yes, really. What’s even more shocking is that this number is up from just 4,000 in January 2021. Cryptocurrency is exploding in popularity and value. So I decided to do a deep dive into what some are calling the future of money. I researched as many definitions as I could find and explored four popular types. Here is what I learned.
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