How Student Loans Work: A Simple Guide

If you don’t have a clue on how student loans work, you’re in the right place! I’ll try to keep it simple as much as possible to help you get the basics. Terms To Get You Started: Principal– the total amount of money you are borrowing (for tuition, supplies, living expenses etc.) Disbursement – fancy Read More …

Credit 104: How To Get Good Credit

The final course in my lower-div series on credit. Now that you know what credit is and how to get it started (you paid attention right?!?) let’s talk about the most important part- how to get good credit.  Like a dog, credit isn’t really pleasant unless you do a good job taking care of it. And Read More …

Credit 103: How To Get Credit

Alright, so now that you know what credit is and why it is important from Credit 101 & Credit 102, let’s talk about how to get this magical “credit” thang. Credit is one of those tricky thangs like landing your first job.  All jobs want you to have experience… but how do you have experience without Read More …

Credit 102: Money Vs. Credit

Things That Are Related To Money But Are Not Helping Your Credit Paying in cash Prepaid cards and gift cards Checking account* functions: writing & depositing checks. Transferring money to other checking accounts Using a debit card Savings accounts Your income** Any other invested assets like stocks, retirement accounts etc.*** Utility & Phone Bills**** Non-credit store Read More …

Credit 101: The Basics

Let’s talk about credit. Yes, that scary 6 letter word.  Almost as scary as that other 6 letter word, Tinder. What is credit you may wonder? Credit and credit scores basically tell a creditor (an institution that is planning to lend you money to buy things or services) whether or not you are going to Read More …

The Best $30 You’ll Spend in 30 Minutes This Holiday Season

There are so many things you could spend $30 or 30 minutes on this holiday season.  “What is the best way?” you may be asking yourself.  Well self, I have an answer for you and it’s not what you think!  Sure, you could get approximately three Chipotle burritos with guac, 1/8 of a bottle of Read More …