If you’re anything like me, keeping records of income and expenses–and convincing your spouse to do the same–can be a real challenge. I started this challenge for myself by first saving every receipt from every purchase I made for a month, then I divided everything into categories to see how much I was spending and […]

Today I want to talk about debt and more importantly, how to get out of it! No one sets out to get into loads of debt, it just seems to happen to some and not to others. Here are 7 traits of debt-free people that sets them apart from everyone else… 1. They are repulsed […]

Have you ever wondered what your credit score is or how it’s calculated? Your credit score is a three-digit number between 300-900 that lenders use to predict your creditworthiness. Credit reporting companies calculate your score based on your payment history, how much you owe, how long you’ve had credit and how often you apply for […]

So, you’re thinking about buying a home! Maybe it’s your first home, maybe it’s your third…in any case, there are 5 MUST DO’S before you jump in that will minimize your stress and make this process as smooth as possible. 1. Most important – get all of your documents in order! There are necessary documents […]