Posts Tagged ‘budget’
Understanding your debt-to-income ratio
Have you ever applied for a loan and been told that your debt-to-income ratio was too high? You may have wondered what that meant. Your debt-to-income ratio is the portion of your income that goes to debt payment, and it is a key component of creditworthiness. Lenders consider debt-to-income ratio along with credit score when…Read More
Strategies to Make College More Affordable
With the price of higher education still on an upward trajectory, families are looking for ways to make college more affordable. According to “How America Pays for College,” a report by Sallie Mae, the average American family spent $23,757 on college costs in 2017, which is a 38 percent increase over 10 years ago. Here…Read More
Saving as a family
This post is brought to you by America Saves, a campaign managed by the nonprofit Consumer Federation of America, which motivates, encourages, and supports low- to moderate-income households to save money, reduce debt, and build wealth. Celebrate America Saves Week, February 25 – March 2, 2019. Set a Goal. Make a Plan. Save Automatically. …Read More
Your first paycheck, and what you should know
It’s a rite of passage into adulthood – your first paycheck. It doesn’t matter whether you are a teen with an after school job or a recent college graduate, you first paycheck always seems to have some surprises. Here is a brief review of the important information on the statement of your first paycheck, and…Read More
Get wealthy, not rich: change how you think about money
How do you define wealth? The standard definition is wealth is “a large amount of money and possessions.” But consider this definition: wealth is the difference between what you are earning and what you are spending. Most of us want to be rich because we think it’ll make our financial problems will go away. Sadly,…Read More
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