​Life & Money Archives - Debt to Zero
Category Archives for "​Life & Money"

30 Essential Money Habits

essential money habits

Your financial health, just like your physical health, is built on dozens of small, daily decisions that eventually form habits. And while eating better and exercising more are well-known habits that will get you fit, sometimes the money habits that lead to financial health are much less obvious — though both topics can inspire plenty […]

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3 Dangers of Borrowing Against Your Pension

borrowing-against-your-pension

For consumers who are entitled to a steady stream of future payments, like a pension or structured settlement after a lawsuit, they may find themselves eligible for a lender offer on an “advance” lump-sum, upfront payment on that money. It’s kind of like taking out a loan on money you’ve already been promised. Since the […]

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4 Basic Steps to Repairing Your Credit

repairing-your-credit

Bad credit means dealing with higher interest rates, credit card fees, and mortgage loan rates. Let’s cover cover 4 Basic Steps to Repairing Your Credit. Unfortunately, a history of late payments, debt collections, charge-offs, foreclosure, repossession, and bankruptcy have a negative effect on your credit score. Credit problems can last 7 to 10 years. But there is something you can […]

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3 Bad Money Habits You Should Finally Kick

bad-money-habits

 When it comes to personal finance, our habits can really make or break us. When we’re able to adopt positive financial habits, the benefits are endless: a better credit score, less financial-induced stress, a bigger savings account balance…the list goes on and on. Unfortunately, many of us have also taken on financial habits that could […]

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What Is a Good Credit Score?

understanding-your-credit-report

When it comes to borrowing money, a good credit score is everything. It’s one of the main factors lenders and financial institutions use to decide how much of a “credit risk” you are, meaning how likely is it that you will default on a new credit card or loan obligation.Credit scores is influenced by several […]

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12 Steps to Building a Better Credit Score

better-credit-score

1) Check Your FilesThe first step in bulding a better credit score should always be to ask for copies of your credit files from each of the major reference agencies, TransUnion, Experian, and Equifax.Carefully check the information they contain, making sure it’s all correct, up to date, and actually applies to you. Even small mistakes […]

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6 Easy Steps to Financial Success

steps-to-financial-success

Success with money means different things to different people. Some wouldn’t consider themselves financially successful until they have a million dollars in the bank, while others just want to take a yearly vacation.If you want to succeed with money, get started now by following these six steps.Step 1: Define SuccessDefine financial success. It might mean […]

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A Basic Guide to Understanding Your Credit Report

understanding-your-credit-report

Your credit report is one of the most important documents of your life. Banks, lenders, and other businesses use your credit report to make financial decisions about whether to do business with you and how much they will charge.  A good credit report – one with positive information about your borrowing habits – leads to a […]

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