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mmeidly's blog

Understanding Club Savings Accounts

May 2019

If you’re looking to save for a specific short-term goal, you may want to consider opening a dedicated savings account. Many financial institutions offer these accounts, also known as club savings accounts, for major spending events such as holiday shopping, vacations and even taxes.

How to Remove Derogatory Marks from Your Credit Report

Time for Your Financial Literacy Check-up Blog

May 2019

If you’re in the market for an auto loanhome loan or credit card, rest assured your personal credit report will be reviewed by the lender to decide if they wish to loan to you.

Knowing your credit score is a great first step before applying for a loan or new line of credit. But, you’ll also want to scour your credit report in greater detail to see if you have any adverse payment history – including collections activity.

How Your Tax Refund Could Improve Your Credit

April 2019

Money can’t buy you a good credit score, but you might be able to use your income tax refund strategically to polish your credit. How to go about it depends on where you are in your credit journey.

Time for Your Financial Literacy Check-up

Time for Your Financial Literacy Check-up Blog

April 2019

While most Americans associate April with the beginning of spring, the entire month is also dedicated to financial education. Spring cleaning usually consists of scouring every nook and cranny of the home, but our finances deserve a thorough scrubbing as well. If you’re not a personal finance junkie, diving into your financials can be intimidating. Still, you don’t want to ignore them for years and then discover you’re in trouble.

Budgeting No Fun? Try Gamifying Your Financial Goals

March 2019

My wife and I once tried wearing cat and dog masks to talk about money. Our previous attempt to make a budget ended in shouts and pointed fingers, and I thought this might help tame our hair-trigger emotions.

Instead, it sparked another disagreement over spending. “I was thinking something more Cirque du Soleil,” she said through the rubber cat mask I bought her. “I feel like we’re about to rob a bank.”

The Benefits of a Home Equity Line of Credit

January 2019 Blog

March 2019

Before the Great Recession, homeowners weren’t shy about opening and utilizing home equity loans and lines of credit. After all, home values were through the roof, and many saw the benefits of tapping into their equity to consolidate debt and pay for big purchases, like cars and college educations.

This Winter, Your Credit Should Freeze, Too

February 2019

Before you tackle lofty financial resolutions like paying off debt this year, do yourself a quick favor and freeze your credit reports. It’s free, doesn’t affect your credit score and helps protect your financial future.

Credit reports summarize your payment history with creditors and are automatically generated by the three major credit bureaus: Equifax, Experian and TransUnion. Freezing them prevents fraudsters from opening a new line of credit using your personal information.

10 Tips for Paying off Student Loans Faster

January 2019 Blog

February 2019

Are you one of the 44.5 million Americans sporting student loan debt? According to the latest Federal Reserve statistics, outstanding student loan debt now tops more than $1.5 trillion, and 66 percent of the individuals with a tab are 30 or older.

How to Stay Afloat Financially in a Federal Shutdown

January 2019

When you have a pile of bills and no paycheck, address the essentials first. That means the roof over your head, medicine, food, heat, electricity and — for those who still must report to jobs despite a government shutdown — getting to work.

What can wait? Almost everything else.

5 Smart Ways to Use and Repay Holiday Debt

December 2018

If glitzy ads and the scent of evergreens entice you to choose debt when you mean to choose joy, your holiday may already be haunted by the Ghost of Christmas Yet to Come.

Twenty-eight percent of shoppers who used credit cards to pay for last year’s holidays are still paying for them. Think about how long you’re willing to pay for a moment of delight before whipping out the plastic.

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