Personal Finance Archives

Step-by-Step Guide: Buying Bitcoin with a Credit Card

March 22, 2024

Bitcoin, the world’s most popular cryptocurrency, has gained significant attention in recent years. With its decentralized nature and potential for high returns, many individuals are now interested in purchasing Bitcoin. One of the easiest methods to buy Bitcoin is with a credit card. In this step-by-step guide, we will walk you through the process of buying Bitcoin using your credit card. Step 1: Preparing to Buy Bitcoin Before diving into the world of Bitcoin, it is important to make a
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Using a Home Equity Loan to Eliminate Credit Card Debt: A Comprehensive Guide

March 15, 2024

If you find yourself burdened by mounting credit card debt, you may be considering various options to regain control of your financial situation. One potential solution that can help you eliminate credit card debt is a home equity loan. This comprehensive guide will walk you through the fundamentals of home equity loans and provide practical advice on how to leverage them effectively to pay off your credit card debt. Understanding Home Equity Loans: A Comprehensive Guide Before delving into using
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Impact of Credit Card Usage on a Mortgage Application

July 15, 2023

Applying for a mortgage can be an exciting, albeit daunting, step towards owning your dream home. As part of this process, understanding the influence of your credit card usage on your mortgage application is absolutely crucial. Let’s delve into how your habits with plastic can impact your journey to home ownership. The relationship between credit cards and mortgage applications is deeply rooted in your credit history. Essentially, mortgage lenders use your credit history as a gauge of your financial responsibility,
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How to Prepare Your Finances for a Pending Recession

December 25, 2022

There are many questions about whether or not the economy will fall into a recession in 2023. While there’s no definitive answer at this point, one thing is for sure: the economy is in a downturn Before we go any further, let’s talk about what a recession is. A recession is a period of economic downturn that can have a significant impact on your personal finances. Here are some tips to help you prepare for a recession: Build an emergency
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New Year, New Budget: Questions to Answer in 2023

November 22, 2022

With the new year closing in, now’s the time to review your budget over the past year. This allows you to determine what’s working, what’s not, and what types of changes you need to make in the months to come. There’s a good chance that a budget review will lead you to make various changes. That’s why it’s so important to conduct a review before the new year arrives. Here are some of the questions you should set out to
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Can You Trim These Expenses From Your Monthly Budget?

September 25, 2022

On a high level, it’s easy to look at your monthly budget and assume that there’s nothing you can trim. Your first thought is that every expense is legitimate. And while you may be right, there’s a greater chance that you’re wrong. Here are five expenses that you may be able to trim from your monthly budget. Even saving a few dollars in each category is worthwhile. It all adds up in the end. 1. Entertainment How much money do
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Should You Keep Cash at Home?

July 30, 2022

The idea of keeping cash at home sounds like a good one, but you must be careful. Too much cash on hand is never a good idea as there are risks such as theft, fire damage, and flood damage — and that’s just the start. If you’re wondering how much cash to keep at home — or if this is a good idea at all — here are five questions to address: 1. Where will you keep the cash? This
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Where to Put Your Money as Inflation Surges

July 20, 2022

With inflation surging and uncertainty growing, it’s natural if you have questions and concerns about where to put your money. While there are many options available to you, some are better than others. Here are five ideas to consider in the days, weeks, and months to come. 1. Cash Should you save all your money as cash? Of course not. While there are benefits of stocking away money in a high-yield savings account, you don’t want to marry yourself to
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