Smart Track Your Financial Freedom
Remember, successful debt management is possible on any budget with proper planning, commitment, and consistent action.
The bulk of medical debt, which is the biggest debt collected annually in the US, is borne by Black Americans, women, and those with disabilities. The federal government has unveiled a new policy that will remove medical debt from all Americans’ credit reports beginning in 2025, which is a historic step. In 2025, all Americans’ … Read more
Credit cards are an integral part of financial management for many, but common credit card misconceptions can lead to poor financial decisions. Understanding the truth behind common myths can help you use credit cards more effectively and improve your financial health. Here, we address eight widespread credit card misconceptions and reveal the truths behind them. … Read more
Building credit is a crucial aspect of financial health while living in the United States, especially in the ever-evolving economic landscape of 2025. Credit cards, when used wisely, can be powerful tools for improving your credit score. Here are 17 best ways to use a credit card to build up your credit and have a … Read more
Many people use debt to fund purchases they would not otherwise be able to afford without saving for an extended period. While loans can be great financial tools when they are used properly, they can be great adversaries as well. To keep from taking on too much debt, you should understand how loans work and … Read more
Goal-setting is a vital step toward reaching financial success, especially when it comes to investing. Setting specific, achievable goals can help you to narrow your focus, create a plan, and stay motivated along the way. In this guide, you’ll learn the importance of goals, what makes a good investment goal, questions to ask yourself when … Read more
It can be very tempting to refinance your mortgage, especially if you can secure a lower rate. You have the potential to lower your monthly payments, pay off your mortgage sooner, and maybe even cash out some of the equity in your home. But closing costs and fees can quickly eat into any savings you might hope … Read more
A 20% down payment usually isn’t required to finance a home purchase, and most buyers who finance a home put down less. But the 20% down payment isn’t dead yet. In fact, a growing share of buyers are making down payments of at least 20% to compete in today’s sizzling market. » MORE: Navigating a … Read more
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Definition Secured cards are credit cards that require you to pay a deposit before you can get access to a credit line. Secured cards are credit cards that require you to pay a deposit before you can get access to a credit line. If you have no credit or bad credit and you need a … Read more