Debt Management vs. Debt Settlement vs. Debt Consolidation
By Charlestien Harris During this time of uncertainty, a lot of people are being forced to make dire decisions that could affect their financial future for a very long time. If your financial problems stem from too much debt or your inability to repay your debts, the...
COVID-19: THE BEST TIME TO MAKE A SAVINGS PLAN!
By Charlestien Harris You might say, “I don’t have any money to save right now,” but in actuality this is the best time to look at saving money. The pandemic has had a devastating effect on many families’ finances but unfortunately, I am sure this will not be the...
Net Worth: What Is It and Why Is It Important?
I am often asked what is net worth and why knowing it so important to my financial health? Net worth is a measure of wealth. Specifically, it is the total of what you own minus the total of what you owe. You can calculate your net worth by subtracting your...
Homeownership: Knowing Your Numbers Can Make the Difference
By Charlestien Harris I have been scanning the news lately and have read several articles about the housing market during this pandemic. To most analysts’ surprise, the housing market has been booming. According to the latest data the fixed interest rates for a...
A Good Credit Score: What Is It and What Does It Mean?
I am often asked what a good credit score is. Having a good score is important, but managing your finances, setting goals and living within your means is equally important. There is no absolute standard that creditors use to approve or deny credit. ...
How to Recognize Credit Repair Scams
By Charlestien Harris During this COVID-19 pandemic, I have noticed numerous credit repair ads popping up on social media and in other news outlets. It is so very important to remember that thieves are out to get all they can get when it comes to cashing in on...
How Late Payments Affect Your Credit Score
By Charlestien Harris Often I hear people ask, “Why is it so important for me to pay my bills on time? As long as they get my money they should be satisfied.” While it is true you have paid your creditor what you owe them, the fact of the matter is there...
Credit Reports and Scores Explained in Simple Terms
By Charlestien Harris Having access to credit can make dreams come true. In today’s world, you can hardly conduct business without using credit, rather it be renting a vehicle or hotel room or making a large purchase. Most people don’t worry about...