Investing in Yourself

One of the many wise money tips from Warren Buffett, the “Oracle of Omaha,” is, “The best investment you can make, is an investment in yourself.” Debt for Education is Good Debt Borrowing to buy a depreciating asset, such as a car, is not good debt; however, a loan to […]

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The Remaining 35% of Your Credit Score

In my previous two articles, I discussed how your total debt accounts for 30 percent of your score while 35 percent of your credit score is affected by your credit history. Today I’ll discuss the remaining 35 percent of your score; it’s divided into three areas and they’re all just […]

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History is Another Main Ingredient in Your Credit Score

In a previous post, we discussed how the amount you owe others represents 35 percent of your credit score. Another 30 percent of your score is based on your credit history — specifically, how you’ve paid your bills over time. What are the factors in my credit history? There are […]

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How Your Total Debt Affects Your Credit Score

How Your Total Debt Affects Your Credit Score

Your credit score, also known as your FICO score, is a number between 300 and 850, the higher, the better. Did you know that 30 percent of your FICO score is comprised of the amount of debt you owe? Once the details are understood, then it’s easier to figure out […]

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Raising Your Credit Score With Multiple Payments

Raising Your Credit Score with Multiple Payments

Have you ever thought about making more than one payment per month on your credit card? The due date is not the only time during the month you can make a payment; you can send in multiple payments during the month. The Convenience and Benefits of a Credit Card I […]

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How To Shrink Your Budget Without (Too Much) Sacrifice

How to Shrink Your Budget without (Too Much) Sacrifice

Have you ever taken your spending plan, slashed and slashed, only to think, “What’s left?” The first step is to write down everything you spend. I don’t care if it’s $1.00 thrown into the soda machine or $150 for something extravagant. Write it down. If you do it for 21 […]

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