by Liz Richards | Nov 24, 2020 | Budget, Credit, Credit Utilization, Debt, finances, Identity theft protection, Uncategorized
When the COVID-19 pandemic hit, so did the rise in unemployment. With retail stores shuttered and sit-down restaurants primarily take-out-only establishments, millions of workers are finding themselves out of a job. Being suddenly jobless is bad enough, but there is... 
by Liz Richards | Nov 6, 2020 | COVID-19, Credit, credit score decrease, finances, Uncategorized
Maintaining favorable credit can be difficult in the best of times. You work hard to build up your scores, control your spending, and prioritize the things that really matter. But sometimes, you may feel as if you are at the mercy of factors outside of your control.... 
by Liz Richards | Nov 4, 2020 | Credit, Credit Score, Credit Utilization, Uncategorized
Simply put, your credit utilization is the amount of outstanding debt you owe as it compares to the total amount of credit you have available each month. Depending on the scoring model used, your credit utilization makes up anywhere from 20% to 30% of your overall... 
by Liz Richards | Oct 22, 2020 | Credit, Finance Negotiating, Interest rate, low interest rate, Mortgage terms, Uncategorized
Everyone wants to save money. One of the best ways to save some major coin is to negotiate a low-interest rate on high-ticket items such as your credit cards, auto loan, and mortgage. By negotiating a low-interest rate upfront, you can potentially pay these debts off... 
by Liz Richards | Oct 16, 2020 | Identity theft protection, Uncategorized
We lock our doors, take self-defense, and in 2020 we even wear masks to stay safe. However, there may be a digital danger that potentially poses a threat to us all – identity theft. In fact, a recent survey found that more Americans are concerned about...