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Reasons to Refinance¶
(Idea Vault Blog) - Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list is long and exciting for someone stuck with loan payments that they aren’t happy with.
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When You Can't Afford Your Minimum Payments¶
(Idea Vault Blog) - It’s scary to find yourself in a situation where you can’t afford your monthly debt payments. Whether that’s due to a sudden life change, like a job loss or illness, or if you’ve simply found yourself unable to keep up, there are steps you can take.
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How to Manage Your Debt: Strategies and Tools¶
(Idea Vault Blog) - Even if you're financially responsible, life's unpredictable nature can sometimes catch you off guard, at times making it dangerously easy to fall into debt. Discover how to start managing your debt with these tips and tools.
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Best Practices for Using a Credit Card¶
(Idea Vault Blog) - By properly managing a credit card, you can earn rewards and build your credit score, all while making your regular purchases.
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Credit Cards¶
(Idea Vault Blog) - Using a credit card is easy. But choosing one isn’t always simple. Shopping with a credit card is a snap, but shopping for the card that’s right for you is another matter. Ask yourself these questions: Do you pay your credit card bills in full and on time each month?If not, do…
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What a Car Loan Costs¶
(Idea Vault Blog) - When shopping for a car, it's usually best to start by shopping for a car loan. When you’re shopping for a car loan, remember that what it costs you to borrow depends on three things: The finance charge, expressed as an annual percentage rate (APR)The term, or length of time the…
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Getting a Car¶
(Idea Vault Blog) - When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
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Credit Scores¶
(Idea Vault Blog) - A credit score is a number that potential lenders will use to determine whether they should lend you money, how much, and at what interest rate. Your credit score, also called a FICO score, is an actual number, between 300 and 850. The higher the number, the better: a score of…
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Interest¶
(Idea Vault Blog) - Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money that's added to your starting balance. It can be earned or paid and is typically expressed as a percentage. You earn interest by keeping money in a…
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Using Credit¶
(Idea Vault Blog) - Borrowing money makes it possible to afford things that you couldn’t otherwise, but make sure you understand what you’re signing up for to avoid falling into overwhelming debt.
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