Financial Adjustment

Improving Your Credit Score: Believe It Or Not, It’s Possible

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credit score

Your credit score is an important factor when it comes to taking out various loans or a credit card, and it can be affected by many things. A really good credit score means being able to qualify for really good loans of high amounts but fairly low interest rates, while a bad credit score will limit your loan options and subject you to much higher interest rates. If you’ve found that you have a bad credit score that has caused loan applications to be denied, or even a rejection on a job or housing application, there are ways you can get it fixed.

New Year, New Budget

Posted in Budgeting & Planning, Financial Adjustment on


Spending less to save more money is one of the most commonly made new year resolutions. If it’s on your 2017 priorities list, do you have a plan in place? Your money isn’t going to save itself. Instead of letting this resolution fall by the wayside — like the 41.6% of people whose resolutions don’t make it into February — follow these budgeting tips to keep your finances fruitful the entire year and beyond.

How Will Your 2017 Budget Fair?

Posted in Budgeting & Planning, Financial Adjustment on

feb 17 blog

2017 is moving quickly. Last month, with the changing of the calendar year, a torrent of resolutions were set by people wanting to get in shape, to eat better, to find a better job, and of course — to spend less money. Making and attempting to maintain a budget is one of the classic New Year’s resolutions, and although keeping a promise to yourself past the first few months of the year may seem nearly impossible, there are a few productive ways to give yourself a better chance to succeed. Without further ado, here are a couple of tips to help you close your wallet and open your mind up to big savings.

4 Tips To Help You Build Strong Credit

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blog feb 3

Getting a credit card is an important step in anyone’s life. These days, you have to establish a track record as soon as possible to ensure that you get the best rates on auto loans and mortgages. Having a good credit score and history also helps when buying insurance or when applying for a job. What are some ways that a credit card can help you establish that track record?

5 Financial Goals That Must Make Your Resolution List

Posted in Budgeting & Planning, Debt Management, Financial Adjustment, Saving on

List of New Year's 2017 Resolutions to improve personal finances, retirement plan, pay off credit cards, create a budget, and save more money. Party horn blower, Christmas ornaments, streamers, and snowflake ornament add festive feel to this image. Shot in studio with Canon 5D Mark II DSLR camera.

Every New Year brings another round of resolutions that probably see a slow demise by the end of January. However, if there is one resolution you must stick to this new year, then it should be in the financial segment. Retirement planning, social security, etc., are things you must not take lightly. Let us look at 5 financial goals that you should make in 2017:

Low Credit Score: 4 Damaging Habits To Avoid At All Costs

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Good credit, bad credit, no credit…These terms may not often arise in casual daily conversation, but they are critical players when you are ready to make a bigger ticket purchase such as a car or a home. According to the Washington Post, more than half of all Americans have poor enough credit (less than 700) that they don’t even have access to most traditional lending sources.

Learn about four damaging habits that can negatively impact your credit score and why you want to avoid these at all costs!

How A Better Credit Score Could Save You $2K Per Year

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Here’s what we know about the average person: He or she makes $58,586 per year, owes nearly $200,000 (across two credit cards, a mortgage and an auto loan) and possesses a credit score of 668. But that’s not all.

We also know that this representative individual is leaving some serious money on the table because of credit-score neglect. He or she is among the 52% of people who’ve failed to check their credit score in the past year, after all, as well as the 66% who haven’t reviewed one of their credit reports. And most importantly, this person could save nearly $2,000 per year just by improving his or her credit score by 52 points, which isn’t all that tall of an order.