Year: 2018

Jul 18

Creating (And Sticking To) A Personal Budget

Budgeting is the first step toward holistic financial wellbeing. In understanding where you put your dollars, you can alter your lifestyle to better suit your income and personal goals—whether that means putting down a deposit on a home or paying off student loan debt. Building a budget is a time-consuming process, but with the right […]
Jun 23

3 Tips for Improving Your Credit Score

Whether you like it or not, your credit score determines your financial wellbeing. You may have enough money in the bank for a down payment on a home, but every type of lender—mortgage lenders, leasing agents, and credit card providers—will use your credit score to determine the likelihood of repayment. As a result, it is […]
Apr 25

Buying a House with Student Debt

Politicians, administrators, and parents love to criticize younger generations for our “lack of priorities.” Rather than working full-time, saving to buy a home, and purchasing diamond engagement rings, we instead choose to spend our resources on avocado toast, nights out with friends, and entertainment. Right? Wrong. So very wrong. In fact, most Millennials would like […]
Feb 17

My HELOC Epiphany

I’m preparing to get the PMI removed on my home several months down the road, and to lower the costs, I’m working with my local bank to apply for a HELOC (home equity line of credit) and which would include a free home appraisal—and would potentially allow me to get around the appraisal costs when […]