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How to Improve Your Credit Score?

Your credit score has a huge impact on your life in a number of ways – it helps lenders decide if you will get approved for loans and credit cards, and also determines the interest rates you pay. That is why it is important to maintain a good credit score at all times. Which factors affect your credit score? Payment History The timely manner in which you pay bills, determines 35% of your credit score. Serious payment issues, like charge-offs, collections, bankruptcy, repossession, tax liens, or foreclosure, can cause your credit score to plummet drastically. So make sure you aren’t late on bill payments.   Level of Debt Debt level is determined by a lot of aspects such as amount...

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Tips To Successfully Live on a Tight Budget

10 Tips to “Successfully” Live on a Tight Budget Most of us do not like talking about money. Money induces anxiety; consuming your thinking, getting in the way of your relationships, and holds you back from doing activities that reflect your values. Living on a tight budget is a difficult task; many have tried to successfully create a budget only to have it fall apart. I had to examine my habits and take ownership of my actions unlike when I was a Starbucks addict, used to go out at least twice a week, and frequent movie theaters. Surprisingly, making wiser financial choices can make your life comfortable and enjoyable. You cannot however just sit on the sidelines and hope your...

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