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Why Don’t I Make Money In My Savings Account?

A savings account offers several financial advantages, but a high interest rate usually isn’t one of them. Savings accounts with a half percent interest rate are considered good deals, but the average savings account interest rate is a lot closer to less than a tenth of a percent. 

Money Management Tips for New Parents

Without a doubt, becoming a parent is an exciting event in your life, whether it's your first child or your fourth. It’s a phase where you are happy and nervous at the same time about how the future will unfold. You might have been preparing for this event for a long time (or not!), but when you actually experience it things sometimes seem uncontrollable and stressful.

How Does a Credit Score Work And Why You Should Care

 

Credit scores have a vast impact on people's financial lives. Your credit score determines what type of car or house you can afford and how much your payments will be. It can affect your ability to lease an apartment or to be hired for certain jobs.

How to Avoid 7 Common Black Friday Traps

Despite the ominous name, Black Friday is the best day of the year for retailers throughout the United States. This is the day shoppers clamber over each other to take advantage of some incredible sales. Not coincidentally, it’s also the day people spend a lot more than they were planning.

What is Debt Consolidation: Podcast Episode 7

In this Good Money Moves podcast episode we cover the basics of debt consolidation loans as well as the rule of thumb to determine if debt consolidation is a good solution to your financial struggles.

How to Pay Off Your Credit Card Debt

Many people carry revolving debt with their credit cards. Reducing debt can help one’s chances to be considered eligible for loans. The drawbacks associated with credit card debt require taking this issue seriously and adopting effective measures to pay off debt. Here are a few strategies to significantly reduce and even totally pay off credit card debt.

Financial Tips to Consider When Traveling

To experience the world as a traveler, and not as a tourist, you need the freedom to explore beyond landmarks. But how can you travel around without actually breaking the bank? Below are some financial tips that may help you save money and enjoy a vacation more than once a year.

The Basics of FHA Home Loans

If you're a first-time home buyer needing a loan, you might want to look at an FHA home loan. This is a loan insured by the Federal Housing Authority (FHA), and they're quite popular among home buyers due to their less rigid borrowing requirements. 

The FHA loan program was a response to the rash of foreclosures and defaults that took place in the 1930’s. It provides adequate insurance to mortgage lenders. Also, this program helped ignite the housing market by providing loans that were accessible and affordable for people who did not have stellar credit, or cash for a large down payment. Today, it is the largest insurer of residential mortgages in the world. 

If you're saving for a house, you might benefit from an FHA home loan. Once you know more about the basics of FHA home loans, you should have a better idea of whether or not it is right for you.

Behind on Auto Loan Payments? Here's How to Handle It.

If you feel like you've been struggling to keep up with car payments, you're not alone: According to a recent report from the Federal Reserve Bank of New York, over 7 million Americans are at least 90 days behind on their auto loans. 

Steps for Improving Your Credit Score: Podcast Episode 6

In this Good Money Moves podcast episode we discuss the steps you can take to build your credit score if your just getting started and how you can rebuild your credit if you've had financial set backs.