The debt-free movement has taken much of the motivation out of managing and improving a person’s credit score. After all, why even bother if the ultimate goal is to shun debt completely. Debt-free certainly has its appeal. Who hasn’t made a money mistake that ruined their credit, forcing interest rates higher and just wanted to be completely rid of their debt? But there are some very important reasons why your credit score matters beyond … [Read more...] about How to Fix Your Credit Score and Why You Should
Adapt to Life Changes
Learning to Say “NO” in Retirement
When most people think of retirement they imagine all the things that they want to do. They wish to volunteer, upgrade their house, and see the world. When considering retirement people dream of the things they want to say "yes" to. All of those things are wonderful, but they might be in jeopardy unless you learn to say "NO". Learning to say no in retirement is vital to preserving your time, money, and sanity. Here are the most important … [Read more...] about Learning to Say “NO” in Retirement
Failed Your New Year’s Resolution Already? So Have I
I have a confession to make. Two weeks into the new year and I have already failed at my New Year's Resolution. I have yet to set foot in a gym, have late-night binged on snacks, and the only time my heart rate was over 100 was watching NFL Playoff games. Instead of being healthier and losing weight, I found some. And that's ok. A commonly referenced statistic, I'm not sure where it's from but I'm sure it's accurate, is that only 8% … [Read more...] about Failed Your New Year’s Resolution Already? So Have I
Bankruptcy 101: Not Just a Game
When I was growing up my favorite board game was Monopoly. I would beg my parents to play and they would occasionally reluctantly agree to two and a half hours of dice rolling/property buying fun. In Monopoly, bankruptcy was the end of the game, when you run out of money and properties. Real life, however, doesn't feel anything like a game. In fact, it is quite the opposite. Bankruptcy is an unfortunate situation that people find … [Read more...] about Bankruptcy 101: Not Just a Game