9 min read
Kamel LoveJoy: Aug 26, 2025 5:00:00 AM
If your credit is less than perfect and you need a car, you are not alone. Life happens. Maybe a medical bill went to collections or a job gap made...
6 min read
Kamel LoveJoy: Aug 21, 2025 5:00:00 AM
Identity theft is scary, but your choices do not have to be. Two of the strongest tools you can use are a credit freeze and a credit lock. These...
4 min read
Kamel LoveJoy: Aug 19, 2025 5:00:00 AM
Refinancing can lower your monthly payment, reduce total interest, and make your budget feel calmer. You keep the car you already have and swap your...
3 min read
Kamel LoveJoy: Aug 14, 2025 5:00:00 AM
Katie always paid rent on time. When she applied for a used-car loan, though, the bank called her “credit invisible.” She learned a steady rent...
3 min read
Kamel LoveJoy: Aug 12, 2025 5:00:00 AM
Donna never pictured herself drafting formal documents. She was the friendly face at the Rochester gym who lost 70 pounds and filled Instagram with...
3 min read
Kamel LoveJoy: Aug 7, 2025 5:00:00 AM
Lena thought she had finally cracked the code on her monthly budget. She’d set up envelope budgeting in her checking account, stashed $20 each payday...
5 min read
Kamel LoveJoy: Aug 5, 2025 5:00:00 AM
Ever had a shower-thought you just know could turn into the next big thing—but two seconds later the “What if I mess this up?” voice kicks in? You’re...
4 min read
Kamel LoveJoy: Jul 31, 2025 5:00:00 AM
That bill wasn’t an emergency—you just didn’t plan for it. New tires. School clothes. Your cousin’s wedding weekend that somehow eats half your...
6 min read
Kamel LoveJoy: Jul 29, 2025 5:27:38 AM
Picture this: you’re grabbing snacks after school, and the cashier asks, “Credit or debit?” Both cards look alike, but they pull money from very...
3 min read
Kamel LoveJoy: Jul 24, 2025 5:15:00 AM
Across the U S., the cost of gearing up for class just keeps climbing. The National Retail Federation says families will drop about $858 this year on...
