10 Financial Resolutions for the New Year
January is “Financial Wellness Month!” So it’s the perfect time to take a closer look at your personal finances. CreditNinja has 10 financial New Year’s
Brand
Key Takeaways
To endorse a check to someone else, confirm they’re willing to accept it, verify their bank allows third-party checks, sign the back with “Pay…
In recent decades, researchers have identified a dramatic nationwide shift: the American middle-class family is struggling.
The middle class is a social group that is defined…
Budgeting
January is “Financial Wellness Month!” So it’s the perfect time to take a closer look at your personal finances. CreditNinja has 10 financial New Year’s…
Key Takeaways
Money milestones for your 30s center on building a positive net worth and strong credit by moving out of survival mode, reducing debt, and…
Key Takeaways
You are likely not “rich” or “poor” for your age unless your net worth and retirement savings are far above or below the median…
Credit
Key Takeaways
An example of a debt danger sign is maxing out your credit card, which indicates excessive debt and can damage your credit score.
Other common…
Key Takeaways
With an 800 credit score, you may qualify to borrow significantly larger loan amounts, but your income and ability to repay still determine the…
Debt
Key Takeaways
Buy now, pay later is increasingly used for everyday purchases, not just large or discretionary items.
BNPL options increase spending and reduce friction at checkout,…
Student loans from the federal government are one of the only debts that can be forgiven at death. Although some private lenders that offer student…
The total personal debt in the U.S. is at an all-time high of $14.96 trillion.1 Most of us have debt. However, if you are drowning…
Interest Rates
An interest rate is the amount lenders charge for borrowing money. It’s typically expressed as a percentage of the principal on an annual basis. Interest…
Key Takeaways
Guaranteed home equity loan with bad credit: you can access your home’s equity even with a low credit score, especially through loans secured by…
Loans
Key Takeaways
Banks get money to lend primarily from customer deposits, which they use under a fractional reserve banking system that allows them to lend out…
Key Takeaways
Someone can take over your car loan through a formal loan transfer, refinancing, or selling the car, but lender approval is required, and the…
Key Takeaways
If you want someone to take over your car loan, you need to read your loan contract to make sure it’s eligible for a…
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