Homeless Prevention Financial Guide: The Money Guide to Preventing Homelessness
Tradeline Supply Company
by Moriah Chace
1w ago
One of the most distressing problems in America today is people living without roofs over their heads. In major cities, you see it all the time. And there are half a million people who are homeless living in America, with 30% of those people living in California. However, knowing the factors that lead to homelessness can help you avoid becoming homeless. If you’re struggling to make ends meet, know that you are not alone. More than half of Americans cannot afford a $400 emergency. They’re one disaster away from becoming homeless. But with proper money management and good support systems, you c ..read more
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Complete Guide to Opening an Unsecured Credit Card
Tradeline Supply Company
by Sarah Sharkey
3w ago
When you think of credit cards, unsecured credit cards likely come to mind first. While some financial gurus preach about the dangers of opening an unsecured credit card, the reality is that an unsecured credit card can be a useful financial tool. If you aren’t sure where to get started, you are in the right place. We’ve compiled a full guide on how to open an unsecured credit card. Let’s dive in! What Is an Unsecured Credit Card? An unsecured credit card is a type of credit card that doesn’t require you to make a cash deposit to get started. Unlike secured credit cards, an unsecured credit c ..read more
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How to Prepare Your Finances for Student Loan Payments
Tradeline Supply Company
by Sarah Sharkey
1M ago
Back in 2020, the federal government gave student loan borrowers a payment reprieve. The temporary measure was designed to help borrowers with federal student loans get through the financial uncertainty caused by the pandemic. But the federal student loan payment pause came to an end in fall 2023. If you are a federal student loan borrower, the restart of payments may have a big impact on your financial situation. Let’s explore how you can prepare your finances for student loan payments. When Did Student Loan Payments Restart? During the federal student loan payment pause, the interest rate wa ..read more
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What to Do if You Can’t Afford Your Car Payment
Tradeline Supply Company
by Sarah Sharkey
1M ago
When you need a vehicle to get around, you might feel pressure to spring for more than you can truly afford. Whether your financial situation has changed or you felt pressure to overspend at the dealership, being stuck with a car payment that you cannot afford is an uncomfortable situation. If you feel trapped with an oversized auto payment, the good news is that you have options. Let’s explore what you should do if you can’t afford your car payment. Average Car Payment Based on Experian data, around 8% of new car purchases in 2022 were financed. With that, the overwhelming majority of drivers ..read more
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Complete Guide to Opening a Secured Credit Card
Tradeline Supply Company
by Sarah Sharkey
2M ago
A secured credit card gives cardholders an opportunity to build credit. While you’ll have to make a security deposit to serve as collateral, this can serve as your entry point into building credit. But if you are new to credit cards, you might not know where to get started. Luckily, I’ve created a full guide to opening a secured credit card. Let’s explore everything you need to know about opening a secured credit card. What Is a Secured Credit Card? A secured credit card is a type of credit card that requires cardholders to make a cash deposit. The cash deposit serves as collateral for your sp ..read more
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Financial Myths to Ignore
Tradeline Supply Company
by Sarah Sharkey
2M ago
You can find financial advice almost everywhere you turn. Whether you are hearing advice from TikTok stars or friends and family, you’ve likely heard more than a few financial myths thrown into the mix. On the surface, financial myths might make some sense. After all, if you’ve heard something enough times, you might start to believe it. But the reality is that believing financial myths can push you to make sub-optimal financial choices. It’s critical to separate solid financial advice from myths. In this piece, you’ll find some of the top financial myths to ignore. Why Do People Share Financi ..read more
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Should You Trust AI Financial Advice?
Tradeline Supply Company
by Sarah Sharkey
3M ago
Artificial intelligence (AI) has been making headlines in recent months. As AI develops into a more sophisticated tool, it’s natural to wonder how this technology might impact financial advice. If AI can answer other questions, can it be trusted to provide worthwhile financial advice? Let’s explore how AI interacts with financial advice. Financial Advice and AI The investment industry is working to harness the power of artificial intelligence in the financial planning space. With the help of generative AI, like ChatGPT, people can find answers to basic personal finance questions. But the intro ..read more
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Building Credit With Revolving & Open Credit Accounts
Tradeline Supply Company
by Sarah Sharkey
3M ago
The right credit score can make a world of difference to your financial future. Not only can a good credit score make it possible to obtain financing for major purchases, but it can also help you lock in lower interest rates to potentially save thousands over the life of your loan. While a good credit score is important, building it might feel like an impossible task. If you want to build your credit score, responsibly managing revolving and open credit accounts can help. Let’s explore what these accounts are and how you can leverage these types of accounts into a better credit score. Revolvin ..read more
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How to Grow Your Savings Rate
Tradeline Supply Company
by Sarah Sharkey
4M ago
Saving more money is solid financial advice. In theory, we all know that saving money is important. But when it comes to managing our funds, it can be difficult to track how much of our income we actually save. Luckily, it’s easy to calculate your savings rate, which can serve as a measure of your savings strategy over time. Let’s explore what your savings rate is, how to calculate it, and how to grow this important number. What Is a Savings Rate? A savings rate is the percentage of income that you save. The simple number has a big impact on your financial situation. After all, a higher saving ..read more
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Top Credit-building Tips for Generation Z
Tradeline Supply Company
by Sarah Sharkey
4M ago
Generation Z represents the youngest generation of consumers. As a member of Gen Z, the financial choices you make now can have an outsized impact on your financial future. When it comes to credit, implementing responsible credit management strategies now can lead to better credit opportunities in the future. In this article, we will explore where credit stands for Gen Z. Plus, you’ll find strategies to help you build credit. Generation Z and Credit: An Overview The Pew Research Center defines Generation Z as people born after 1996. While many members of this generation are still under 18, the ..read more
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