“I don’t know much about being a millionaire,” author and legendary writer Dorothy Parker once said, “but I’ll bet I’d be darling at it.” Wouldn’t we all! While most of us won’t be buying a yacht anytime soon, you can apply some smart advice from millionaires to your life on almost any paycheck. Pay Yourself…
read morePaying off credit card balances is one of the primary goals we at credit.org help people achieve. It’s on practically everyone’s roadmap to financial freedom. The process of paying down a credit card balance may seem obvious, but there are some things anyone who pays off a credit card balance should know. 1. You should…
read morePeople who are not married buy homes together all the time. And while this may not be a startling revelation, there are some potential homeownership land mines that you would do well to consider before signing all of that paperwork at the closing table. Unmarried home buyers can be any combination of two or more…
read moreMany of us treat our twenties as a time for exploration and a few mistakes while we figure out what to do with our lives. Don’t let credit mistakes haunt you. Here’s what I wish they taught about using credit as a young adult. Build Credit However You Can Credit isn’t just an alternative to…
read moreLast updated: 11/22/2017 One law that changed credit card statements was the Credit CARD (Credit Card Accountability, Responsibility and Disclosure) Act of 2009, which required a clear disclosure on the statement about minimum payments. This mandated disclosure must inform the borrower how long it will take to pay off a credit card balance if s/he…
read moreCredit.org is approved by the U.S. Department of Housing and Urban Development (HUD) as a comprehensive housing counseling agency. We help home buyers prepare to become better educated and informed homeowners. For most people, understanding the process and requirements of obtaining a mortgage loan as well as which type of lender to use and what…
read moreThanks to the modern approval processes, applying for a new credit card from a credit card company, a bank or even a department store is as easy as answering a few questions. With the number of discounts offered at many major retailers, applying for a credit card at your favorite store can be tempting. But…
read moreHomeownership is still a major part of achieving the American Dream. I should know: I bought my first home with my husband two years ago, at age 28. So why is it that 2 out of 3 Millennials (many of whom are in their 30s) rent instead of own their homes? Common misconceptions can make…
read moreExploring the different types of home mortgage loans available will present you with a wide array of products, terms and options. There are important differences to understand and consider in each of these areas and it can get complex and complicated. It’s a good idea therefore to start with the basics. When looking for a…
read moreA lack of knowledge about the home buying process is one barrier people often encounter. Another large barrier is on the topic of debt. Debt affects every other step of the home buying process, and we’ll talk about that in a moment. We’ll start with the number one barrier to homeownership that people cite: down…
read moreSeptember was National Preparedness Month. The month is designed to encourage individuals and families to plan ahead for emergencies or natural disasters. Much of the pre- planning will center on creating an emergency kit with supplies you might need, and just as important, making a plan for what to do if disaster strikes in or…
read moreIt’s tough to sort out the myths from the reality when it comes to homeownership. In a given search online, you can find opposing viewpoints making directly contradictory arguments. We’re going to try to shed some light on the confusion and help separate the facts from the falsehoods: Myth 1: You’re better off buying/Better off…
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