Stories and tips to beat debt and improve financial health.

Automate Your Financial Health
Financial Health Vital Sign #1: Income

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.

November 20, 2020
What is Financial Health?

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.

November 12, 2020
How to Use Credit Constructively

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.

November 10, 2020
How to Maintain 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.

November 9, 2020
How to Build Credit Simply

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.

November 8, 2020
What is Credit? - Understanding Credit

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.

November 7, 2020
A Complete Guide To Credit Card Late Fees & Refunds

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.

October 30, 2020
SYNCB/PPC: What Is It And Why It's On Your Credit Report

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.

October 14, 2020
How to Calculate Net Worth: A Step-by-Step Guide

Want to learn how to calculate net worth? We're here to walk you through how to calculate your net worth step-by-step.

October 8, 2020
Excess Activity Fees & How To Get Them Refunded

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.

September 29, 2020
Why Does JPMCB Card Services Appear on My Credit Report?

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.

September 17, 2020
Complete Breakdown of American Express Late Fees

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.

September 10, 2020
How to Build Wealth from Nothing - Step 8

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.

September 9, 2020
How to Build Wealth from Nothing - Step 7

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.

September 8, 2020
How to Build Wealth from Nothing - Step 6

Once your debts are paid off (with the exception of mortgage), you can now start building up your savings and bolster your financial stability.

September 7, 2020
How to Build Wealth from Nothing - Step 5

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.

September 6, 2020
How to Build Wealth from Nothing - Step 4

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.

September 5, 2020
How to Build Wealth from Nothing - Step 3

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.

September 4, 2020
How to Build Wealth from Nothing - Step 2

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.

September 3, 2020
How to Build Wealth from Nothing - Step 1

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.

September 2, 2020
New American Dream: What Is Financial Stability and How Do I Get It?

What is financial stability? Forget the endless race to get richer than your neighbors. Learn how to achieve and maintain a solid financial base.

August 24, 2020
11 Ways to Save Over $50,000

Saving up to and over $50,000 is not as far fetched as it sounds. Over time, it’s doable. Here are 11 ways to save more than $50,000

August 11, 2020
The Fine Print of Wells Fargo Late Fees

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.

August 11, 2020
CREDCO On Your Credit Report? Here's Why

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.

August 3, 2020
Complete Guide to ATM Fees & How to Refund Them

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.

July 28, 2020
How to Negotiate the Best Car Price Entirely Over E-mail

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.

July 17, 2020
The Chase Credit Card Late Fee In Plain English

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.

July 8, 2020
Monthly Maintenance Fees and How to Waive 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.

June 12, 2020
8 Ways to Lower Your Debt-to-Income (DTI) Ratio

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.

June 3, 2020
What to Know before Getting a Credit Card

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.

May 13, 2020
Did Banks Do Enough to Help? Examining Bank Fee Patterns During COVID-19

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.

May 8, 2020
The 10 Dos and Don'ts of Autopay

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.

April 22, 2020
How Do Credit Cards Work?

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.

April 14, 2020
How to Avoid Overdraft Fees Using Cash Flow Management - Part 2

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.

April 8, 2020
How to Avoid Overdraft Fees Using Cash Flow Management - Part I

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. 

March 30, 2020
Side Gig Directory

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.

March 20, 2020
Financial Resources during the Coronavirus Pandemic

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.

March 18, 2020
Managing Your Finances During The Coronavirus Pandemic

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.

March 18, 2020
Lower Prime Rates Means You Can Lower Your APR

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.

March 10, 2020
How to Fight Overdraft Fees

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.

February 24, 2020
How do Banks Make Money?

Have you ever wondered how banks make money? It's not all lending and account fees. Check out this guide to learn more.

February 5, 2020
Best Way to Manage Bank Fees

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.

January 10, 2020
The Chase Overdraft Fee & Waiver in Plain English

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.

January 9, 2020
Confronting Debt Stress with an Actionable Strategy

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.

December 26, 2019
Trying to Pay Off Debt Quickly? Don’t Deprive Your Way to Misery

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.

December 12, 2019
How to Get Overdraft Fees Refunded Quickly

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.

December 12, 2019
How to Manage Your Money Like Tetris

Treating your finances as a game to win, like Tetris, can give you the emotional distance you need to make become a master at managing finances.

November 29, 2019
Family Finances & Holiday Money Conversations

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.

November 13, 2019
Wells Fargo Interest Charges in Plain English

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.

September 21, 2019
Can You Get an Overdraft Fee Refund? A Complete Bank Fee Refund Guide

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.

July 5, 2019
The Darkest Debt…(is everywhere)

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.

July 1, 2019
Dreaded NSF Fees & How to Get Rid of Them

NSF Fees are a constant drain on millions of Americans' finances. The first step to combatting them is understanding them and then getting them back.

June 25, 2019
Living Paycheck to Paycheck?

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.

June 18, 2019
Tax Scams That Outsmart Even Savvy Consumers (Part 2)

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.

June 11, 2019
Tax Scams That Outsmart Even Savvy Consumers (Part 1)

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.

June 4, 2019
Credit Chronicles: If Overdrafts Were Treated As Loans

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.

May 27, 2019
What Happens if I Miss a Credit Card Payment?

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.