Real financial wellness tips given by real people

refinance car loan

Should you refinance a car loan?

Refinancing a car loan can be a strategic financial move that offers the potential for cost savings and improved loan terms. However, whether or not to refinance depends on various factors and individual circumstances. In this article, we’ll explore the pros and cons of refinancing a car loan to help you make an informed decision. …

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How much money do I need to retire?

Retirement planning is an important part of financial well-being, requiring careful consideration and strategic decision-making. One of the most common questions people ask is, “How much money do I need to retire?” The answer is complex and varies based on several things, including lifestyle, expenses, and retirement goals. Here’s how to figure out how much …

best credit cards for college students.

Best credit cards for college students

College life often marks the beginning of financial independence for students, and a responsible approach to credit can set the stage for a strong financial future. Obtaining a credit card as a student is sometimes a little challenging—especially if you’re under 21. That’s mostly because students usually don’t have an income or credit history. If …

best credit cards for families.

Five best credit cards for families

Choosing the right credit card is a big decision for families. It can impact everything from day-to-day expenses to long-term financial goals. The best credit cards for families have rewards, benefits, and features that fit their needs. These types of cards generally require a credit score of 690 or higher. Often other factors are considered …

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Car maintenance you can do yourself to save money

Owning a car comes with quite a few expenses, but there are ways to cut costs without risk of blowing a gasket or getting stuck on the side of the road.One way is doing some of the simpler maintenance tasks yourself. This can save you money, keep your car in good running condition, and avoid …

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Is a flexible spending account worth it?

A Flexible Spending Account (FSA) is a financial tool offered by many employers that allows employees to set aside pre-tax dollars to cover eligible healthcare expenses. While FSAs offer tax advantages, the decision to participate depends on individual circumstances and healthcare needs. In this article, we’ll explore the features of FSAs, their benefits, and considerations …

tap tips, calculator with red tax button.

2024 side hustle tax guide

Side hustles are a popular way to earn extra income, and more Americans are taking advantage of them than ever. But do you have to pay taxes on this side gig income? Yes, in many cases you do. Here’s what you need to know. Types of side hustles There are all sorts of different side …

average household credit card debt. Worried couple reading an important notification in a letter sitting on a couch in the living room at home.

What is the average household credit card debt

Credit cards are pretty necessary in everyday life, but they can make it easy to get into debt trouble. What’s the average household credit card debt, and how can you manage yours more effectively? Recent data tells us that the average household credit card debt in the United States is about $8,600. (That’s according to …

how to budget. Stack of coins with piggy bank on the table. Growth of loan and investment business idea. Asset Management, Funds, Liabilities, Deposits, Income, Successful.

How to budget: a guide to financial planning

Budgeting is the cornerstone of financial well-being, offering a roadmap to manage income, expenses, and savings effectively. Regardless of your financial goals, creating and sticking to a budget is an essential skill that empowers you to take control of your financial future. In this comprehensive guide, we’ll explore the key steps and strategies to help …

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Family credit management: a guide for success

Managing credit is a super important part of maintaining a healthy financial foundation for your family. Keeping your credit solid not only opens doors to lots of opportunities but also builds strong overall financial stability. Here are some key strategies for managing credit effectively when it comes to family finances. 1. Open communication and joint …

Experian credit score. Woman looking at her credit score result on mobile phone

Understanding your Experian credit score

Have you ever wondered what goes into your Experian credit score? As you may know, Experian is one of the three major credit bureaus in the United States (along with Equifax and TransUnion). Each of them collects essentially the same information, but there can be slight variations in the data they report, which can lead …

what credit score do you need to buy a car? Happy Young Family Are Signing A Contract To Buy A Car. Dialogue With Dealer. Cheerful Customer. Automobile Salon. Make A Decision. Cup Of Coffee. End Of A Deal. Good Offer. Buyer And Seller.

What credit score do you need to buy a car?

If you’re shopping for a new or used car, one of the key things that will affect your ability to get financing (and also the terms of that financing) is your credit score. Your credit score is the numerical representation of how creditworthy you are, and it plays a big role in determining the interest …

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