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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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