Looking for a SMART goals worksheet so you can start crushing it? We all know that smart goal setting is absolutely crucial to your success. But how can you set great, attainable goals and actually hold yourself accountable so that you get the results you want? It’s important to not only know your goals but…
You may have come across personal finance coaching websites when searching Google for ways to get out of debt, save more money, or just stop living paycheck to paycheck. Money management can be a very stressful topic of discussion in many households, and many people have no idea where to turn for help when they…
I grew up in a mobile home park. Prairie Village, #59, to be exact. We didn’t own our mobile home. I think my parents probably paid about $200 total in rent (including lot rent). If they paid any more than that in the 80’s they were getting ripped off! The only reason to buy a…
Everyone has something to say. Whether you are looking for an outlet as a new blogger or you want to grow an online empire, finding your voice through blogging is vital to growth and fulfillment. I first started blogging as an outlet…a way to get things off my chest. What surprised me is I quickly…
Today I’m explaining a bit about the differences between the DTI ratio for conventional loan (or debt to income ratio) vs other home loan types and why it’s important when buying a house. The definition of debt to income ratio is simply debt divided by income. But it’s a little more complicated than that when calculating. Let…
What is credit utilization, and how does it affect your credit score? FICO scores can be intimidating (especially if you don’t quite understand them). We all know that maintaining a high FICO score is helpful in many ways, from being able to obtain great interest rates on home loans to saving money on your car…