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4 Ways to Optimize Your Credit Card Use

183 million Americans have credit cards. Many people use credit cards to help them boost their credit scores and qualify for better loan rates. Others use credit cards to get rewards, help pay for large purchases or use it as emergency money. Regardless of why you have a credit card, chances are that you do have them. However, if you don’t use your credit card responsibly, you could fall into debt and damage your credit score. Here are four ways to optimize your credit card use: […]

5 Unexpected Expenses as a First-Time Home Buyer

Buying a house is a huge step. In fact, it’s often used as a metric to determine not only your success in life but also your level of financial responsibility. Many people dream about owning a home for years before it becomes a reality. Then, when they’ve finally found the perfect home, they get so excited to sign on the dotted line that they forget to look at the total cost of owning a home. Did you know that your total expenses as a first-time homebuyer will be greater than the price of a home or mortgage? Many buyers don’t! Here [...]

Control Your Finances With Personal Finance Apps

Financial freedom is a goal that many of us have. However, we live in a society where most of us are in some form of debt, which makes financial freedom seem more like a pipe dream than a potential reality. But that’s not true! Whether you are debt-free or owe tens of thousands of dollars, financial freedom is possible. The key is to control your finances using a personal finance app. […]

Should You Pay Off Your Mortgage Early or Invest?

Are you a young professional who is looking to maximize their finances? If so, you will likely be faced with a particularly difficult decision shortly after buying your first home. When you notice that you are making a substantial amount of money or when you have built up an impressive savings account, you will often be forced to choose between paying off the remainder of your mortgage or taking advantage of other investment opportunities that come your way. The question is, which option is the most financially-savvy? If you’ve been asking “Should you pay off your mortgage early?”, we investigate below. [...]

How the Right Personal Finance App Can Help You Achieve Financial Independence

Think you are already super financial-savvy? The truth is that even the most responsible individuals could use the help of an amazing budgeting/finance app to not only get, but also keep their finances on the right track. CalendarBudget is a budgeting and finance app that can be easily downloaded for both Apple and Android devices (and also has a web browser interface). Here is how it can aid you in achieving and maintaining your financial independence. […]