How To Avoid Falling Into A Bad Credit Score
Building good credit is a years-long process, while destroying credit only takes a few bad decisions. With this in mind, it’s important for new credit users to avoid the many mistakes which lead to bad credit scores. Too often it seems inexperienced credit cardholders underestimate the ease through which bad credit can be acquired. For these folks – the young ones especially – we thought it necessary to highlight the five best ways to avoid a bad credit score: Maintain A Healthy Debt-To-Income Ratio Credit score criteria includes something called the debt-to-income ratio. Basically it’s all your monthly debt payments added up and compared to your gross monthly income. If the …
Ways To Pay For College Without Breaking The Bank
Going to college can be stressful in so many ways. If you are just getting out of high school, you are being pushed into the real world on your own. Your responsibilities just increased ten-fold. You now have to get yourself to class everyday, do your homework, study for tests, and maybe even work. As if that is not enough, you also have to worry about how you are going to pay for college. If you don’t have money saved up to pay for tuition, you are basically on your own trying to find out how to pay for it. Luckily, you have quite a few options. College is far from cheap, but if you are wise you can pay for it without …