When it’s ok to pull credit and apply …
Each time you allow a company to review your credit, this is a ding and has an effect on your score. The question we often get is when should this be worth the hit. Here are some suggested cases when it's ok. To establish a payment history. When you've paid off all...
How to Downsize Your Spending
If you want to improve your finances and build wealth, downsize your spending. This does not mean being deprived of things that you enjoy. People can lose weight and still eat their favorite foods by decreasing their portion sizes. A comparable financial example is...
Skills they never taught you in schools
1 - Budgeting. Keeping records of your spending and knowing your credit score are three essential foundations. Of course, we have been hounding you on this one for some time. We place this as number 1. 2 - How to make a physical move to a new home. Do you know how...
Make Progress Every Day
Remember the old phrase “a journey of a thousand miles begins with a single step”? That single step is doing something positive every day. “Make progress every day” is a strategy for improving increasing wealth because it promotes a healthy attitude about behavior...
Organize Your Financial Records
Deluged with financial "paperwork" (investment account statements, tax records, and important correspondence such as a certificate of deposit (CD) rollover notice)? You are not alone. Many people report having difficulty managing their financial records and physical...
Stretching Strategies for Health and Wealth
The FSB Education program encourages people to make positive behavior changes to simultaneously improve their health and personal finances. Note the emphasis on the words "small steps" in the program title. This is significant because "little changes" can really make...
Need to See a Doctor but do not have the time or the copay?
With the ever-increasing health insurance premiums, many people tend to opt for a bronze plan. If you are relatively healthy and don’t need to visit the doctor often, it seems to make sense. But what if you do need to visit a doctors’ office? That’s when you get a...