It’s tax time in North America, and that means some people are going to get a tax refund. What should you do with that money you get back? We all groan when it comes to tax time. It comes around every year. We know it’s going to happen, but that doesn’t stop us from hating […]
3 money tips to go from two incomes to one
There are various reasons you’ll go from two incomes down to just one. You need to follow these three money tips to avoid stress. Maybe you and your roommate decided to go separate ways so you’re the only one paying the bills now. Maybe you and your partner broke up. There may have even been […]
Zero-based budgeting doesn’t mean you need to spend every penny
A zero-based budget is something a lot of people look at doing. This doesn’t mean you have to spend every penny, but each one needs a job. As you look into the ways of budgeting, you may come across the term “zero-based budgeting.” This involves giving every dollar from your paycheck a job. It doesn’t […]
When is debt consolidation a good idea to do?
I don’t often recommend debt consolidation to people. There are times that it really is the best option, and here’s when that is. When it comes to dealing with debt, it’s not often that I recommend debt consolidation. I have done it in the past, though. I know how useful it can be, but I […]
What is the debt avalanche method to pay it off?
The debt avalanche method is one of the ways to clear your debt. How does it work, and is it right for you? In my previous money post, I talked about the debt snowball method. This is one of the most popular ways to pay off debt, but there is an option that will work […]
What is the debt snowball method (and does it work)?
You may have heard of the debt snowball method when it comes to paying down your debts. What is it, and will it work for you? There are two main ways to pay down debt. You can opt for the debt snowball method, or you can choose the avalanche method. I’ll discuss the avalanche method […]
What does credit utilization ratio mean and why is it important?
When it comes to boosting your credit score, you’ll hear about your credit utilization ratio. I take a look at what this is, and why it is so important. When you apply for a loan or a credit card, a lender is going to look at your credit score. This is an indication of how […]
3 Tips to use your credit card to boost your credit score
We’ve looked at a few ways to boost your credit score in 2023. Your credit card is a great way to do that, and here are three top tips. There are a lot of questions about getting the right credit card to boost your credit score. It’s not about the type of credit card you […]
What is the round-up method in budgeting (and does it work)?
There are a few different ways to budget your money. The round-up method is one of them, but does it actually work? When it comes to budgeting, you may not initially know where to start. You feel like you have no money at all, and you don’t know where to start with saving money. One […]
3 Tips to boost your credit score in 2023
Your credit score is important for a lot of financial needs. Here are three tips to boost your credit score in 2023. If you’ve not been paying attention to your credit score, you need to start doing so. This is an important part of your financial information. It’s going to help you get better rates […]