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What is a Credit Score?

What is a Credit Score?

For an individual to obtain a loan or be approved for a credit card or other line of credit, lenders will assess the applicant’s credit score. Higher scores are preferred, though a low credit score will not automatically eliminate an individual’s ability to obtain a loan. When it comes to understanding the importance of a high credit score, individuals should learn what a credit score tells lenders, what factors can influence it, and what they can do to improve their score.

Clever Tips for Managing Your Finances

Clever Tips for Managing Your Finances

Managing personal finances can be challenging, especially for those who are just beginning to recognize the importance of understanding spending, saving and investing one’s hard earned money. Fortunately, you can learn how to manage your finances effectively and efficiently. Here are a few essential tips for managing your finances and planning for a secure financial future.

How to Build an Investment Portfolio

How to Build an Investment Portfolio

Investing is a great way to utilize your money so you can put it to work for you and start on a path to achieving whatever financial or life goal you may have. For investors of all experience levels, building an efficient portfolio is often the key to mitigating risk and promoting the chance for higher returns. When starting to build your investment portfolio, there are a number of things to consider and keep in mind.

Why Some Individuals Attempt a No-Spend Month

Why Some Individuals Attempt a No-Spend Month

When trying to save money or tighten your budget, there are many strategies you can adopt to achieve your financial goals. One particularly demanding method that has recently risen in popularity is what is known as a “no-spend” month. This tactic is not suitable for everyone given individual or familial needs and lifestyles, but for those who challenge themselves to a no-spend month, the benefits are often worthwhile.