Why Financial Literacy is so Important

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Financial literacy is having an adequate level of knowledge about personal finance (such as saving, budgeting, credit management, investing, taxes, insurance and more) so that you can make informed and effective decisions with your money. Being financially literate means that you have a grasp of the fundamentals of smart spending and saving decisions and that … Continued

3 Things You Can Do to Snag a Lower Mortgage Rate:

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Mortgage rates are sitting near historic lows, which means if you sign up for a home loan today, you might spend less money on interest than you normally would. Here’s how to lock in as low a rate as possible on a home loan. Have a high credit score -Your credit score speaks to how reliable … Continued

How will I know when I need to file bankruptcy?

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You will know it is time to file bankruptcy when you are overwhelmed by debt and unable to reduce your debts at a reasonable pace. You may have lawsuits filed against you, and garnishments against your wages, tax refunds, and even bank accounts. Your assets may be threatened with seizure. You may have a lien … Continued