The first financial health vital sign is income. Income is the lifeblood of financial health that allows you to fulfill financial obligations, pay off debts, save money, etc. And regardless of how much you make, what you do with your income matters the most.
This article covers exactly what financial health is and outlines six financial health vital signs you can use to measure and improve your financial health over time.
Once you have established good credit, it is then important to consider what you choose to do with your credit. We cover some of the key considerations of using credit for your life and the benefits available to you as a result of good credit.
The road to credit health doesn't stop at just building credit. It is imperative that you consistently maintain good credit so that you can have access to low-interest financial products in the future such as auto loans or mortgages.
Whether you are building credit for the first time or trying to improve your credit score, this article covers everything you need to know about building credit and the various methods to ensure your credit health.
Credit is the ability to borrow money from a lender to purchase goods or services with the implied agreement that you will pay it back in the future. This article covers in-depth about the ins and outs of credit including interest rates, types of credit, what constitutes your credit score, and more.
Did you make a credit card payment late? If so, you can expect credit card late fees. Here's what to expect and how to avoid late payment penalties. The good news is you can also get late fee refunds.
SYNCB/PPC stands for Synchrony Bank/Paypal Credit. Between the two organizations, they supply over 116 different credit cards that are partnered with various popular retailers. We dive into why this acronym will show up on your credit report and what to do if it is there by mistake.
Excess activity fees occur when you may too many withdrawals from your savings account in a given period of time. We dig into the details about these obnoxious fees, what you can do to avoid them, and how you can also get them refunded.
JPMCB card services refers to one of the many credit cards provided by JP Morgan Chase Bank, commonly known simply as Chase. If this shows up on your credit report, it means you've likely applied for one of their cards. There are several exceptions to this scenario that we cover in greater detail here.
American Express may charge you late fees if you do not pay on time. Understanding how these late fees work will help you make smart financial decisions for your credit score and your wallet.
What good is building up your net worth if you can't bring others on the journey with you? Your family, friends, and community can share the fruits of your knowledge in building wealth for the long-term.
After you have a significant savings cushion that can cover at least 6 months of expenses, there are multiple avenues to start investing money so that it can work for you in a diversified manner.
After employing the spending strategies from Step 4, you can apply your extra savings towards high-interest debts to drastically increase your net worth over the long-term.
Discipline is often touted as the bridge between goals and accomplishments. And like many things in this series, the concepts are simple but not easy. Fortunately there is a low-stress method to cutting spending and setting aside more money each month.
After recovering acute debts and generating cash from step 2, the next step is to prevent those same acute debts from happening again. Combine this with auditing your recurring payments and you'll be saving up to thousands of dollars per year.
You can put money back in your pocket right away on your journey to building wealth by recovering acute debts such as bank fees, reclaiming missing money from state and local governments, and liquidating assets you don't need anymore.
The first step in building wealth from nothing is to understand HOW to build wealth. Orient yourself with the PRO Index that takes a comprehensive audit of your finances and record progress over time with a net worth tracker.
The Wells Fargo credit card can be a useful tool for building your credit, but failure to pay on time will result in a damaged credit score and accumulated fees. Unpack the fine print to understand how late fees are applied so you can avoid them.
CREDCO has become the primary source for merged credit reports in the United States. For this reason, you will likely see it on your credit report if you've applied for a loan recently. In this article we cover what CREDCO is and when it shows up on your credit report.
ATM fees are a high-frequency way to accrue a lot of expenses on your finances, especially in local economies that use primarily use cash. We compiled an in-depth guide to help you understand all the ins and outs of ATM fees, how to avoid them, and how to get them refunded.
In this guide we'll show you how to negotiate the best possible car price by having the upper hand in negotiating over e-mail. Car shopping can be a exciting but stressful process and by negotiating over e-mail you can make much more deliberate decisions on price.
When it comes to the importance of managing credit card payments for your Chase credit card, we break down the ins and outs of everything related to the Chase credit card late fees and how to refund them.
Monthly maintenance fees may seem small on a month-to-month basis but can add up to hundreds of dollars per year depending on your checking account. Here we cover everything about the monthly maintenance fee, how to avoid them, and how to get them refunded.
Your debt-to-income (DTI) ratio is a cornerstone of determining your financial health. Here are 8 ways you can track, manage, and reduce your DTI ratio.
Credit cards can be a constructive tool to assist with finances if used properly. Here you'll find an in-depth look at considerations to make before getting a credit card.
An in-depth analysis into how spending patterns and bank fee burdens changed during the onset of the pandemic. We examine the root of the claims that banks were there to help during the pandemic and how much they really did when it mattered most.
Autopay can certainly make our lives easier and help stay on top of our finances. But they can quickly become difficult to keep track and therefore easy to forget. We've put together 10 do's and don'ts of autopay to help you manage yours.
Credit cards can seem pretty straightforward, but it's important to understand the finer details of cardholder agreement to avoid unwanted debts. We break down the mechanics of a credit card to inform your decision.
By using cash flow management and proper timing, you can avoid paying burdensome bank fees and free up your finances. This is the second part in a two-part explainer articles.
Cash flow management can be a complex topic. But as a tool, it can be remarkably useful for avoiding bank fees, especially for those who have little in savings and are living paycheck to paycheck.
A comprehensive and continuously updated directory of side gigs to help navigate the rapidly changing economy. From online tutoring to paid surveys, there are quite a few gigs that may seem less obvious than most.
Many companies are putting their best foot forward during these trying times to help out customers when they need it most. Here is a list of resources consisting of everything from free food to automobile discounts.
As everything in our world has seemingly turned upside down, our finances are no exception. Provided here are a list of ways to help yourself find the cash you need to make it through this time, rebuild your finances, and come out stronger than before.
When prime rates are lowered, it presents a compelling opportunity to reduce your debt burdens. We delve into show you how to take advantage of lower rates.
To help you save as much of your hard-earned cash as possible, we’re going to cover the most helpful information we have about how to fight overdraft fees and get them waived, how to avoid overdraft fees in the first place and what smart banking decisions you can make now to continue saving money.
Banks have high operating costs, and they cover these expenses often through excessive fees. The average American pays over $650 a year in bank fees alone. Here's a guide to show you how to eliminate this wasteful expense from your life completely.
There is a lot of fine print when it comes to overdraft fees at large banks like Chase. We break down all the fine print and bring you a straightforward breakdown of the Chase overdraft fee.
Paralysis by analysis is a common feeling when confront debts. But the hardest step is often the first one, and with a well-crafted strategy, you can form great habits quickly on the path to being debt-free.
It's much easier to give advice for paying down debt than it is to actually do it. And while some debtors take an extremely spartan approach, for everyone else taking a realistic and level-headed approach is more than sufficient.
Our complete guide to negotiation on your own to get overdraft fees and other bank fees refunded from your bank. This article also includes several tips and tactics to avoid getting charged bank fees in the first place.
Against the backdrop of holiday cheer is a gnawing feeling of financial draining. Between travel, gifting, and other long-held traditions, we show you how to navigate some of these traditions without putting a dent in your financial plans.
Interest charges seem pretty straightforward on the surface, but when you look into the fine print there is a whole lot more to unpack and thorny situations to be aware of. We look closely at the fine print for Wells Fargo purchase interest charges and break it down in plain English.
Here's something the banks don't want you to know: you can get an overdraft fee refund. It's true. You can also get other fees waived and reduced, too. Keep reading to learn how you can take back control of your finances and avoid bad debt.
The overdraft fee has evolved from a good-faith cash extension for reliable business owners into a predatory and invasive drain on the finances of everyday people akin to high-interest debt.
Paydays and their arch-nemesis, spend days, always seem to be paired up very closely on the calendar. Here are 5 ways you can help cut down on spending and make more out of each paycheck.
Tax scams where someone files a fake return for you and puts money on your bank accountYes, you read that right.This is the new type of scam going around, and the later you file your taxes, the higher the chances of you being targeted with a “refund” scam.
One of the most common scams in financial history that raises its head every year comes around tax season. We take a closer look at some of the common traps to avoid and keep your finances intact.
If overdrafts were treated as loans, the statistics become pretty shocking. Equivalent APRs of 15,000%, sequencing of transactions to charge more overdrafts, and more reveal the burden these fees can put on everyday Americans.
We are all human, and missing a credit card payment isn't the end of the world for your financial health. But making a habit of doing so can compound into an expensive mistake down the line.
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