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 […]


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 […]


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 […]


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

SoFi (short for Social Finance) is a peer-to-peer lending platform, not unlike Lending Club. Its primary focus is student loan refinancing, and it offers both fixed and variable rate loans of varying terms, from 5 to 20 years. It’s grown in popularity over the years, in part because it offers some of the lowest refinance rates […]


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

I’ve done my very best to put as much monthly spending on a select group of cashback credit cards. Utilities, car insurance, groceries, gas … the list is long because I enjoy a solid cash back percentage on every purchase using my Citi® Double Cash Card or Blue Cash Preferred from American Express. Now, I’ll […]