Credit Rating: A Beginner’s Guide and 7 Ways to Build Your Credit Score

Credit Rating: A Beginner’s Guide and 7 Ways to Build Your Credit Score

Do you have a poor to average credit score and want to learn about how to improve it?

Or

Are you generally trying to understand what credit rating is and how it works?

In both cases, you are in the place, as this article will explain the entire credit rating system in detail and what you must do to build your credit score.

Credit rating refers to a law passed by FCRA back in 1970 to give consumers right about their credit report. The consumers could view as well as dispute errors in their credit reports and learn from their mistakes to improve their […] Read more

Best Credit Cards for Your Business

Best Credit Cards for Your Business

Are you a small business owner or in the process of starting one and wondering if you must get a credit card as a contingency plan? Maybe you have already made up your mind to get one but do not know what the eligibility criteria are and which credit will suit your needs.

If any of those questions have crossed your mind at some point, you are in the right place. This article will discuss what business credit cards are, where to get them, and share the top 11 business credit cards available in 2020.

A business credit card can help you […] Read more

Grocery Shopping on a Budget: Saving Money When Shopping for Food

Grocery Shopping on a Budget: Saving Money When Shopping for Food

Shopping for groceries when you’re on a tight budget can be intimidating. But the truth is that many people spend way more than they should on food — or more than they need to. It is possible to buy groceries while pinching pennies. It just takes a bit of preparation and practice. But with enough of both, you’ll be an expert at feeding your family on a dime.

How Much of Your Monthly Income Should You Spend On Groceries?

When you’re wondering how to budget groceries, the first thing you need to know is how much, ideally, you should be spending. Grocery […] Read more

Best Budgeting Tools to Take Control of Your Finances

Best Budgeting Tools to Take Control of Your Finances

Many people know that budgeting your finances can be hard. Balancing your income, necessities, and financial goals can lead to stress and anxiety about the future.

Luckily, there are many budgeting apps and tools to help you organize your expenses and save money. Many of these apps are very easy to use and offer unique features that make creating and managing a budget easier than ever.

This article will go over the best budgeting tools that you can add to your daily routine. You’ll find that taking control of your finances is much easier than you might think.

Best Budget App: You Need […] Read more

20 Tips to Save Money

20 Tips to Save Money

Are topics such as saving money your pain points? Do you feel guilty of not being able to save at all? Maybe you always start with a new resolution to save money, but something always pops up.

If the answer to any or all of the above scenarios is a “YES,” you are in the right place. This article will give you twenty easy tips on how you can shuffle things around in your current lifestyle and start saving every month.

It has happened to too many of us that we had good intentions to start putting some money on the side […] Read more

7 Uses for a Personal Loan

7 Uses for a Personal Loan

A personal loan defines a fixed amount of funds you borrow from a lender. This loan comes with a fixed rate, and you can repay it over a fixed period. You can get a personal loan that is either unsecured or secured. Here are some differences between the two.

Types of Personal Loan
Unsecured Personal Loans

An unsecured personal loan means you do not need collateral as eligibility criteria. However, due to this very reason, lenders heavily weigh other eligibility factors such as your income credit score, outstanding debts.

Having a bad credit score can make it outright expensive or difficult for you to […] Read more

Cost of Cooking at Home vs. Eating Out

Cost of Cooking at Home vs. Eating Out

Food is a major expense in American households and eating habits can make a huge impact to your finances if you’re not careful. The Bureau of Labor and Statistics reports that a family with four members could easily spend between $568 to $1,293 each month. Unfortunately, 25% of these purchases go to waste.

With food taking a major cut in your budget, it is important to carefully assess your eating habits and make adjustments in line with your financial goals.

Is cooking your meals or eating out cheaper?

There’s a never-ending debate about the cost of cooking your own meals versus eating out […] Read more

Finding the Best Travel Insurance for Your Upcoming Trip

Finding the Best Travel Insurance for Your Upcoming Trip

More than 70 percent of Americans are planning long-distance getaways this year, almost 20 percent more than last year according to a recent survey. With economic conditions improving significantly and people’s disposable incomes returning to pre-recession statuses, the rise of the stay-cation is now dwindling.

Whether going on a cruise, flying to a tropical haven or escaping to a breathtaking mountain retreat, getting away from the chaos and hassle of everyday life is good for the body and soul. Of course, Murphy’s Law applies no matter how much you might need a vacation.

Unexpected mishaps could send stress levels through the roof […] Read more

Getting Your Tax Refunds

Getting Your Tax Refunds

It takes a while for the IRS to credit funds to taxpayers after they submit their tax returns. Curious about what happens in that period? Read on to find out what happens to taxpayers’ tax returns before they receive their refunds.

How to Get Your Tax Refund FAST
The Steps

Whether they file using a tax rebate program like Turbotax or they head to an accountant for help, the first step after a taxpayer calls it a day and finishes his or her return is sent to the IRS, short for the Internal Revenue Service. It can be sent in either electronically or […] Read more