Dental Costs and Prices Without Insurance

According to a Richmond Hill dentist, Dr. Susan Filippi, “Your mouth is a part of your body, so it just makes sense to take care of your oral health.” There is a lot of evidence that shows positive effects of proper oral hygiene to general health. Many people put off...

Saving Money During COVID-19

The COVID-19 lockdown situation has been hard on the economy nationwide. But you can use this situation to your advantage. If you are like many Americans, you are spending less money. With the restrictions in place to curtail the spread of COVID-19, you are probably...

Cutting Expenses During COVID-19 Unemployment

The economic shutdown when COVID-19 started spreading across the United States left a lot of people unemployed. Even though most businesses have reopened, unemployment still remains high. Many businesses have restrictions on how many customers they can help at one...

Getting Out of Debt and Staying Out of Debt

Creating a plan to get out of debt is the starting line. Staying out of debt is how you win the race. There are several reasons why you get into debt. You might be trying to live a lifestyle above your means. You may have had an emergency that wasn’t planned for. Or,...

How to Raise Your Credit Score and Keep it Up

You’ve created a budget. You’ve created a plan for paying off debt. You’re marching on that path of credit repair. But you still feel like there’s more month than money. If you’ve decreased your expenses as much as you can, it may be necessary to increase your...

3 Ways to Improve Your Credit by Budgeting

The first step to a good budget is a good mindset. You want to pay down debt to improve your bad credit score. Therefore, you must be living within your means. This is an honorable state to be in and a budget is something you can take pride in. 1. Create a Monthly...

Bad Credit Loans: the Solution for Decreasing Debt?

Spending less money every month is like getting extra income. If you want to pay down debt and increase that bad credit score, you need to spend less. If you have a low credit score, it may still be possible to get bad credit loans, or even to get a better job. But...

Stop Credit Card Interest From Bleeding You Dry

 Pick up one of your credit card statements and look for a box, usually near the bottom, comparing total interest paid over 3 or 30 years. If you pay the minimum amount, assuming that you do not add to this debt, it will take 30 years to pay off that debt. The box...

Just How is My Credit Score Calculated, Anyway?

How Your Credit Score Is Calculated  There are multiple credit score methodologies. Two companies create the FICO and VantageScore credit scores. The three credit companies, Experiean, TransUnion, and Equifax also generate credit scores. They all use proprietary...