How Late Payments Really Affect Your Credit Score

Late payments can happen to the best of us. Sometimes we pay a bill late due to oversight. Other times a shortage of cash is the culprit. How late your payments are and how often they occur affect your credit score. How perfect your score is otherwise, and a host of other factors also play […]

How to Get Out of Debt… and Fast

I’m not a huge Dave Ramsey fan. I’ve listened to his show from time to time and read his books. He can be entertaining, and he has helped a lot of people. But his dogmatic,“I’m right, and you’re wrong” approach to personal finance just rubs me the wrong way. Of course, he can be inspiring […]

5 Ways to Build Your Credit Without Going In the Hole

Some financial gurus argue that a credit score is really just a debt score. On one level, this perception is correct. Your credit score does have a lot to do with how well you manage debt. But the idea that you must take on debt over the long term in order to build a good […]

Can You Get a Solid Financial Plan for Only $96?

I can still remember my first financial plan. The good folks at American Express created a thick, beautifully-bound financial plan for my wife and I when we were first starting out. It was useless. The problem wasn’t Amex, though — the problem was that we didn’t have any assets of which to speak. There wasn’t […]

How to Refinance a Student Loan in 15 Minutes with Sofi

Refinancing a student loan sounds like a complicated process but you’ll be relieved to know it can be done in just 15 minutes using SoFi. Here’s how it works. SoFi (short for Social Finance) is not a peer-to-peer lending platform. Its primary focus is student loan refinancing, and it offers both fixed and variable rate loans […]

A Review of the Alliant Credit Union Visa Signature Card, Earning 2.5% Cash Back

Do you use cash back credit cards? If yes, then you’ll also want to use this one. If no, then you’ll want to start now. Here’s our review of the Alliant Credit Union Visa Signature Card with 2.5% cash back. I’ve done my very best to put as much monthly spending on a select group […]