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Payday Loans: Always Try To Avoid Them!

Payday Loans: Always Try To Avoid Them!

What is a “Payday Loan”? A  “Payday Loan” is a very short-term loan -- usually for a few weeks -- that people who need to access quick cash may borrow to cover financial obligations until they get paid. In the past all payday lenders operate from a storefront, but...

Why Create An Emergency Fund?

Why Create An Emergency Fund?

One of the best defenses against job loss, illness, emergency travel, and other unforeseen problems is an emergency fund. An emergency fund is money that is set aside in a normal bank account that you can access quickly. For example, if your air conditioner dies or...

Managing Your Family Finances

Managing Your Family Finances

Money and finance are always one of the elephants in the room when it comes to family dynamics. Many family members are not comfortable talking about money. But if families could get comfortable with talking about money at the dinner table, and work together to...

You Should Create a Budget

You Should Create a Budget

If you’re like most people, when it comes to your financial situation, you oscillate between ups and downs. In fact, you may feel like you have many more downtimes than up. Perhaps you even wait for the downtimes to return whenever you’re on the up side. But what if I...

Your Credit Score – Dos And Don’ts

Your Credit Score – Dos And Don’ts

If you read any of my earlier blogs on credit score, by now you should understand how credit scores work, and you should also know that it's better to have a higher score as opposed to a lower one. Lenders, employers, landlords, and others will likely look at your...