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THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Sometimes you need financial help for your basic living needs like housing, utilities, groceries, and health care to get you and your family over the hump. You can apply for free government money, which depends on your circumstances and qualifications. Most government … Read more
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Did you know that the middle class makes up the majority of America’s population? According to the Pew Research Center, in 2020, approximately 50% of adults in the United States were considered part of the middle-income tier. Since the 1970s, this number … Read more
For those who aren’t aware, Valentine’s Day is less than a week away. Begin panic mode if your significant other has high expectations. Thankfully, Valentine’s Day puts more emphasis on the romantic gestures over the dollar amount spent on a gift. Still, you need to put in the effort. Here’s how to woo your significant … Read more
“Are we there yet?” “No!” I used to get a kick out of The Simpson’s Ride commercial each time it aired on television. But when my oldest son began to ask this question repeatedly on an extended road trip, it suddenly wasn’t so funny anymore. In fact, I felt like Homer cruising down the highway, … Read more
Credit utilization is one of the most important factors contributing to your credit score. Your credit utilization ratio refers to how much available credit you have at a given time. Credit utilization is critical because it signals to lenders whether you can use credit responsibly and pay your debts. In fact, credit experts say that … Read more
Credit repair services and credit monitoring services often make it a point to dispute negative items on your credit report. This is because negative information about your payment history, and inaccurate information about your credit habits, can damage your credit score. When you dispute these negative items, the creditor that reported them has 30 days … Read more
The majority of Americans have credit cards and utilize them regularly. When paying your credit card balance, sometimes an overpayment on your account can happen, and people are left wondering, “What happens if you overpay your credit card”? This article will explain what an overpayment is, why it happens, and what to do about it. … Read more
A credit limit is the maximum amount of money you can borrow on your credit card. It is an essential factor in determining your credit score because it’s used to calculate your credit utilization ratio. The card carrier determines your initial credit limit, but they may offer you a higher credit limit or automatically increase … Read more
THIS POST MAY CONTAIN AFFILIATE LINKS. PLEASE SEE MY DISCLOSURES. FOR MORE INFORMATION. Are you thinking of buying a hybrid car to save money on gas? If you’re like many, the answer is yes. But before you start looking at various hybrid vehicles and getting excited about the money you’ll save, know that you might … Read more
One of the rules of frugal grocery shopping is to buy in bulk. Indeed, we’re told to buy larger amounts of the things we like when they are on sale so that we save money in the long run. However, in some cases it’s actually better to forgo buying in bulk. Here are eight things … Read more