What is a Checking Account?

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Contact Us If you’re exploring different types of bank accounts, one of the first you’ll come across is the checking account. That’s why we’ve put together this quick and easy overview. What is a Checking Account? A checking account is perhaps the most basic type of account a bank can offer — you’ll usually be […]

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Do I Need a Savings Account?

Withdrawing Savings Account Funds Concepts

Contact Us If you’re asking whether you need a savings account, you just took the first step towards greater financial responsibility. A savings account is something you can get by without, but there are lots of savings account benefits. What is a Savings Account? A savings account is somewhere you can store cash that doesn’t […]

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How Much Should a Car Down Payment Be?

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Contact Us Whether you lease or buy, you’ll need to save for a down payment, but how much should a car down payment be? It really depends on your personal circumstances, but a larger down payment is usually better if you want lower monthly payments and a higher chance of approval. What is a Down […]

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How to Lower Car Payments

Car Payments

Contact Us Car loans now last an average of more than six years and come in at an average of $503 each month. Interest rates remain low, but those payments can still be tough to work into a sensible budget. Fortunately, there are a few common-sense strategies for how to lower car payments. Can I […]

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What to Do When You Need Help Paying Rent

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Contact Us Whether from temporary loss of work or unexpected bills, there are a huge variety of reasons why you might need help paying rent. Working through this problem out can be tough, but you do have options. Read Your Lease Most of us don’t pay close attention when signing a lease, so dig yours […]

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When Should You Cancel a Credit Card?

Canceling a Credit Card At Bank

Contact Us If you cancel a credit card, you could improve your credit situation and streamline your finances. On the other hand, cancelling could actually worsen your credit score and make you less attractive to lenders. The Pros and Cons of Closing a Credit Card Many cards charge some kind of annual fee, especially if […]

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How Do the Three Credit Bureaus Report Your Credit Score?

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Get A Cash Advance Want to know how your credit score is doing? You can check by getting a credit report from one of the three major credit bureaus, but you might just find that scores vary between them. Below, we’ll discuss: What Credit Companies Do How Scores Are Created Why Your Score Could Vary […]

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Everything You Need to Know About Credit Card Utilization

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Contact Us Credit card utilization refers to how much of your available credit is being used. You can figure out your total credit utilization rate by dividing your total credit card balances by your total credit card limits. For instance, if you have a credit limit of $2,000 and have an unpaid balance of $1,000 […]

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Snowball vs. Avalanche: What’s the Best Way to Pay Off Debt?

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Contact Us You’ve got some creditors to pay, and that can be tough. However, learning the best way to pay off debt puts you in the driver’s seat and help you protect your financial future. In general, there are two ways people pay off large amounts of debt, and they’re known as the snowball and […]

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Actionable Tips to Help Save Money on Rent

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Renter’s Rights 101 Rent is almost certainly your largest living cost, so finding out how to save money on rent is the smart thing to do. Some ways to do this may include: Negotiate with Your Landlord Look for a Roommate Furnish Frugally Share Food Get Renter’s Insurance Follow These Tips for Enviable Rent Savings […]

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