Maybe you’re the rare person that never eats out at a restaurant.  Chances are, however, that you do open your wallet each day to purchase some kind of item that you digest.  Because these instances seem trivial, we typically have no idea how quickly spontaneous food and drink purchases add up to be a large component of a monthly budget.  For example, one beverage and one snack bought daily while “on the go” probably costs at least $3.  That’s $60 a month if it’s only on work

Personal debt is easy to accumulate and a lot harder to shed. Credit is widely available, expenses are a fact of life, and we all enjoy the occasional luxury. But if you want to achieve financial independence and empowerment, try to tackle your debt burden now. Credit card debt and student loan debt are two very common kinds of debt. Of the two, credit card debt is more dangerous. Why? Because of interest rates. The average annual interest rate on credit cards in the US is ~1

Buying a home can be intimidating – especially if you’ve never gone through the process before. With so many factors involved, such as financing, paperwork & deadlines, it’s important to know what to focus on and where to start. If you’re thinking of purchasing down the road, then you should focus on two things: preserving your credit score and saving for a down payment. In order to qualify for the best rates, you will want your credit score to shine. If your credit needs som