Debt consolidation is a strategy that takes multiple balances and rolls them into one monthly payment. If the new debt has a lower annual percentage rate, consolidating can reduce interest costs, monthly payment amounts, or the payoff period.  Listed below are the five most effective ways to consolidate. Remember that…

The best rate, the right term, and the lowest closing costs – it’s important for first-time homebuyers to find a lender that will give you these as quickly as possible – so you can move into your new home without delay. Here’s a list of lenders that cater to first-time…

Gone are the days when you needed to physically visit a bank to transfer funds or wait for the next paper statement to check the balance. Online banking has made managing money a lot more convenient for us. That said, it’s also made things easier for thieves. Make sure to…

Whether you’re looking to finance a home improvement project, go on your dream vacation, consolidate debt or take care of an unexpected expense, your search for the best personal loan ends here. We’ve put together a list of trusted lenders offering the most compelling rates on personal loans this year.…

Investing in stocks is an excellent way to grow wealth, and the DIY route is easier than beginners might think. Once you know the basics – like setting up the right investment account for your needs and how to compare stock investments, you’ll be ready to take on the stock…

While you can survive with bad credit, a good credit score will make your financial life much easier and help you save. Apart from the bragging rights, a good credit score allows you to enjoy the following benefits: Lower Interest Rates The interest rate you are offered when you apply…

Your account activity is reported by your credit card issuer to one (or more) of the three major credit bureaus every 30 days or so. Your credit score is then calculated based on this data. That’s why owning a credit card is more responsibility than most folks realize. Everything you…

Don’t think about replacing your current home loan with a new one just because everyone else is. The ideal time to refinance for one borrower may not be the same for another. Before jumping into a decision, it’s important to take the time to understand how you stand to benefit…

The more you know and understand about life insurance basics, the better you’ll be able to decide what’s right for you. Some folks will find it better to speak to a financial expert while others may find their questions answered by doing their own research. Here’s a basic overview that’ll…

Buying a house will always be a costly investment. The good news is, there are several ways you can save money on your homeowners’ insurance premium, without sacrificing coverage. Here are some tips to keep in mind: Tip 1: The Insurance Business Is Highly Competitive, so Make Sure to Shop…