Personal Finance

Paying yourself first means saving money before you spend it on anything else. Set aside 10-20% of your income automatically before paying your necessities or buying anything. What Pay Yourself First Actually Means (Most People Get This Wrong) Most people think paying yourself first means stashing away whatever’s left at the end of the month. […]

A good credit score in the US ranges from 670-739, very good is 740-799, and excellent is 800-850. But knowing the numbers is just the beginning. Your credit score determines whether you get approved for loans, what interest rates you pay, and even affects job applications and apartment rentals. Your Credit Score Is Your Financial […]

Financial mistakes stem from unconscious patterns like spending without purpose, reacting to money problems instead of preventing them, and following others’ definitions of success rather than creating your own. These are the patterns that keep you stuck no matter how much you earn. Top 10 Financial Mistakes That Are Killing Your Rich Life Here’s a […]

You should start by fixing errors on your credit reports, especially any debts that should show as discharged. Track your credit score monthly and focus on improving payment history and credit utilization—these two factors carry the most weight.  After that, open new credit lines that report to all three bureaus, like secured cards or credit […]