Finance

A couple sitting on the floor. They are surrounded by paper bills all over the floor.

How to Apply for Debt Relief

Debt has become an unavoidable reality for many Americans. Whether it's a mortgage, credit card or student loan, it often feels like there's always something looming over you. While this situation can be overwhelming, there is a way out! Debt relief, as the name implies, is a solution designed...

40 year mortgage rates

Understanding 40-Year Mortgage Rates

When buying a home, one important choice is what type of mortgage to get. A 40-year mortgage is one option you might consider. This type of loan allows you to pay off your home over 40 years instead of the more common 15 or 30 years. A 40-year mortgage...

how to choose a credit card

Swipe Right: How to Choose the Best Credit Card for You

Choosing a credit card can feel overwhelming, but it doesn’t have to be. With some simple steps, you can find a credit card that fits your needs and helps you manage your money better. Before you start looking at credit cards, think about what you want from one. Here...

is buying gold a good investment

Is Buying Gold a Good Investment?

Gold has been valued for thousands of years. Many people consider it a good investment. But is it the right choice for you? People buy gold for several reasons: Buying gold has many benefits: There are different ways to invest in gold: While there are benefits, there are also risks to consider: If you decide to invest in gold, here are some steps to get started: Buying gold can be a good investment for some people. It has many benefits, like being a tangible asset and a hedge against...

how to payoff personal loans

How to Pay Off Personal Loans

With a plan, a little discipline, and smart choices, you can pay off your loan and feel more in control of your money. The first step to paying off any loan is understanding how much you owe. Make a list of your loans, including: This list gives you a clear picture of your debt. It helps you see which loan has the highest interest rate and where to focus your efforts. A budget helps you manage your money and find extra cash to pay down your loan. Start by...

A small white toy car beside a stack of coins.

Wheels on a Budget: Securing a Lower Interest Rate for Your Car

Getting a car is exciting, but the cost can add up quickly. One big part of that cost is the interest rate on your car loan. A lower interest rate means you pay less money over time. Here are some steps you can take to get a lower interest rate on your car. Your credit score is a number that shows how good you are at paying back loans. The higher your score, the better your chances of getting a lower interest rate. Here’s how to check your credit...