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Paying Down Debt and Raising Your Credit Score

Paying Down Debt and Raising Your Credit Score

By Charlestien Harris As an accredited financial counselor, I’m often asked questions like “How long will it take for my credit score to increase when I make a payment on my accounts?” or “When will I see an increase in my score?”.  The answer I most often reply...

Paying Down Debt and Raising Your Credit Score

Breaking Down Your Mortgage Payment

By Charlestien Harris There are so many industry terms used in the home buying process that can be unfamiliar to the average consumer. One example commonly used by the mortgage lending industry is the acronym PITI.  PITI is an acronym for a mortgage payment that...

10 Steps to Buying A Home

10 Steps to Buying A Home

By Charlestien Harris Purchasing a home is one of the most important decisions most people will ever make.  The length of time it takes to buy a home varies according to the readiness of a potential buyer.  For some it can take a few months, for others it...

Paying Down Debt and Raising Your Credit Score

Understanding a Reverse Mortgage

By Charlestien Harris A lot of conversations have been happening around understanding how mortgages can be used as a financial tool to improve your financial health and possibly build your net worth.  So let’s dive in to get a better understanding of how a...

Paying Down Debt and Raising Your Credit Score

Understanding Certificates of Deposit (CDs)

By Charlestien Harris As a financial counselor, I get a lot of questions and concerns about which financial products can best suit my clients’ financial goals.  One such product of interest is the certificate of deposit or the CD as it is most-commonly...

Paying Down Debt and Raising Your Credit Score

Planning Your Retirement: Part 3

By Charlestien Harris Since I am thinking about retirement myself, I thought I would explore some important questions that should be answered before the big day arrives.  Question 1: What age do I plan to retire?  There is a lot of curiosity about what is the...

Paying Down Debt and Raising Your Credit Score

Tips for Paying for College: Part 2

By Charlestien Harris Last week, I started a conversation about resources, such as the FAFSA and scholarships, that could be utilized to pay for college.  Read that blog here. This week, I am going to continue that conversation with additional options for financing a...

Paying Down Debt and Raising Your Credit Score

Tips for Paying for College: Part 1

By Charlestien Harris At one time or another all of us think about the security of our children or grandchildren’s future.  Education is a big part of the success of a child’s life.  However, college is expensive and can add a heavy burden to the average...