a common sense approach to money

Credit

How to Create A Simple Loan Calculator In Excel

How to Create A Simple Loan Calculator In Excel

Being the huge nerd that I am, I use Excel for just about everything to organize my life.  From simple checklists to complicated calculations, it’s an incredibly useful tool for making your life easier.  When it comes to my personal finances, I track everything via […]

7 Reasons I Love Credit Karma

7 Reasons I Love Credit Karma

This is not a sponsored post – I repeat, this is not a sponsored post.  I just REALLY love Credit Karma!  While it lacks the ability to crush candy like one of my other favorite apps, this one helps me stay on track with my […]

Choosing the Best Credit Card for Bad Credit

Choosing the Best Credit Card for Bad Credit

A recent survey by U.S. News & World Report found that 68% of consumers with bad credit are working towards improving their credit score, yet 35% admit that they didn’t do any research the last time they applied for a credit card.  While many young […]

Turning 30 on my Debt Free Journey

Turning 30 on my Debt Free Journey

2017 has been a tough year, and I’ll admit that my 30th birthday wasn’t something I was especially looking forward to, but life has a funny way of putting things in perspective when we need it most.  While it’s easy to whine about turning another […]

Credit Card Secrets

Credit Card Secrets

There are two schools of thought on credit cards – one is that they are evil and we shouldn’t use them at all, and the other is that they’re a tool and can be used for good.  I tend to fall somewhere in the middle […]

How ’bout Debt?

How ’bout Debt?

How much debt do you have? What interest rates are you paying on that debt? How long will it take you to pay off your debt at the current pace? No idea?  You’re not the only one – most people have a rough idea in […]

Improve your Credit Score (without paying a dime)

Improve your Credit Score (without paying a dime)

Like many young people, I knew relatively little about my credit score until one day, it mattered.  Whether buying a car or a house, all of a sudden this magic number became incredibly important overnight, and while most of you know that a credit score […]

Credit 101

Credit 101

This is a story about how I didn’t know I had a credit card for 4 years. Yes, you read that right, and no, I’m not kidding.  I’ve shared this story with a select few people up until this point and thought what better way to […]