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Will Your Credit Utilization Spike After Your Card Slashes Your Limit?
Image Source: 123rf.comCredit utilization—the percentage of available credit you use—drives your score. But many borrowers forget their bank controls the…
10 Student-Loan Tactics Borrowers Wish They Tried a Year Ago
Image Source: 123rf.com Student loans remain one of the biggest financial burdens for Americans. Even retirees are impacted, either carrying…
Why the Debt Snowball Method Is Best for Your Mental Health and Money
When I finished graduate school, I had $72,000 in student loans weighing me down. But less than a year after…
8 Refinance Triggers That Save Big—If You Act Before Rates Move Again
Image Source: 123rf.com Refinancing can feel like chasing interest rates, but timing isn’t the only factor. Certain life or financial…
Are You Paying “Phantom Interest” Because You Chose the Wrong Payoff Strategy?
Image Source: 123rf.com Many borrowers don’t realize they may be paying what’s called “phantom interest.” This hidden cost appears when…
9 Balance-Transfer Cards With Gotchas in the Fine Print
Image Source: 123rf.com Balance-transfer credit cards promise relief with low or 0% intro APRs. For borrowers juggling high-interest debt, they…
Are Index Funds Still the Safest Long-Term Bet—or Are You Overexposed?
Image Source: 123rf.com Index funds have long been hailed as the gold standard for retirement investing. Their low costs, broad…
8 Sinking-Fund Categories People Overlook—Until a Crisis Hits
Image Source: 123rf.comA sinking fund is like an emergency fund’s proactive cousin—it’s money you set aside for predictable but irregular…
6 Frugal Habits That Save Thousands Without Feeling Deprived
Image Source: 123rf.com Frugality often gets a bad reputation for being restrictive or joyless. But true frugal habits aren’t about…
Should You Ditch Cash Stuffing Now That Banks Track Large Deposits Differently?
Image Source: 123rf.com Cash stuffing—filling envelopes with bills to track and control spending—has exploded in popularity. Social media made it…
