Yes — closing credit card accounts impacts your credit score, and it’s important to have a plan before doing so. Whether you’re simplifying your finances or stepping into a debt-free lifestyle, closing credit cards can be both empowering andtricky if you’re not careful. My readers often ask about this during debt payoff planning — and […]

If you’ve ever asked yourself, “what to do with medical debt I can’t afford?”, you’re not alone. Medical bills can show up fast, especially after an emergency, and they don’t exactly wait until it’s a good time. I’ve been there—looking at stack of bills, wondering how to make it all work. The good news? There […]

When you’re working to get out of credit card debt, build better habits, or simply feel more in control of your finances, knowing what’s in your credit report is key. In this post, I’ll walk you through what is a credit report, what is the difference between a credit report and credit score, and where […]

A low credit score can feel like a financial hurdle, but it’s not an impossible mountain to climb. If you’re wondering how to improve a low credit score, you’re in the right place. With patience, discipline, and a solid financial plan, you can raise your credit score and set your family up for future financial […]

When it comes to keeping an eye on your credit, Credit Karma is one of the most well-known and accessible tools out there. If you’ve ever wondered how to track your credit without paying a fee, this service is a great place to start. As someone who doesn’t obsess over credit scores but likes to […]