What Does Debt to Income (DTI) Really Mean?
Topics: Debt & Debt Consolidation, Home Buying & Selling
Debt to income, or DTI, is a ratio financial professionals use to make lending decisions. The ratio reflects how reliable you are to lend to and sheds light on your overall financial health. Discovering your DTI is easy.
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How To Create Your Budget & Stick To It
Topics: Budgeting & Improving My Finances, Debt & Debt Consolidation
You know you want to live debt-free. You understand the core principles that make up a good get-out-of-debt game plan. So, now the hard part: Getting started.
3 Ways to Weave Giving into Your Financial Plan
Topics: Budgeting & Improving My Finances, Debt & Debt Consolidation, Merging Faith with Finances
St. Francis of Assisi said, “It is in giving that we receive.” Generosity, whether big or small, is a big part of Christianity. And for those who are trying to match their faith-based values with their financial ones, giving should be part of the financial plan.
How To Save & Control Debt At The Same Time
Topics: Budgeting & Improving My Finances, Debt & Debt Consolidation
When you’re focusing on paying down debt, setting aside money in a savings account each month may seem like a daunting task. Don’t let your savings goals suffer while you’re accomplishing other tasks on your financial checklist.
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What's Your Contingency Plan?
Topics: Budgeting & Improving My Finances, Debt & Debt Consolidation
Despite all your planning and preparing, something will go wrong. Your dishwasher may break. Your car may need repairs. A health emergency may arise. Life happens, and sooner or later you’ll be faced with an unexpected expense. That’s why it’s so important to build in a contingency plan.
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How To Create Your Debt Game Plan & Build Credit
Topics: Budgeting & Improving My Finances, Debt & Debt Consolidation
Sometimes the hardest part of getting out of debt is getting started. Once you’ve identified your financial goals and initiated new spending habits, it’s time to create a game plan for reducing debt and building credit.
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