New Years Anti-Resolutions for 2020

I’m going to suggest something a little radical for the new year and the new decade, 2020. Instead of focusing on a new year’s resolutions, consider listing the things you are going to stop doing. Ideally, these should be self-sabotaging habits and behaviors that prevent you from achieving your goals. Here are a few ideas…

Read More

Brett’s Story: The Price of Debt

Tall man smiles while wearing a dark blue sweatshirt and carrying a light blue backpack leans one arm against a tree

Meet Brett, a full-time student living in Indiana, Pennsylvania who’s pursuing his PhD degree. What do you do? I’m in the second year of my program at Indiana University, pursuing a degree in Literature and Criticism. It’s the study of literature but using theories and criticism to discuss different pieces. What did your upbringing teach…

Read More

Daisy’s Story: Dreaming of a Purple House with Chickens

A woman with curly hair and glasses wearing a black dress and light green jacket side hugs her daughter who is wearing a teal blue jacket and backpack in front of their apartment

Meet Daisy, a part-time lecturer and breastfeeding peer counselor, living in San Francisco with her 5-year old daughter. What do you do for a living? I currently have two jobs and might pick up a third. I lecture a weekly class at San Francisco State University and I also have a part-time job as a…

Read More

Sylvia’s Story: Home Ownership in the Future

A Black family poses outside the White House gates, smiling for the camera

Meet Sylvia, an HR Manager for the Clark County School District in Nevada. She’s a Las Vegas native who lives with her husband and two adult sons. What did your upbringing teach you about finances? Nothing! That’s why I’m in debt now. I don’t think I was ever taught how to save or how important…

Read More

Why isn’t my credit score improving?

White woman in a white short sleeve t-shirt sits at her cluttered desk and looks at her laptop screen

I’ve been paying my bills every month on time and nothing changes on Credit Karma. I feel like I’m stalking the app. What should I do? Submitted by Michelle S. Congrats on paying your bills on time! Can we just celebrate that for a moment? What Impacts Your Credit Score Paying your bills will not…

Read More

Michael’s Story: Make Your Money Work For You

Middle-aged white man with his hair slicked back wears a long sleeve t-shirt and smiles for a selfie

Meet Michael, a substance abuse counselor who lives in San Diego, California. What do you do? I’m a substance abuse counselor. I’ve been doing it for about two years now – midlife career change. Unfortunately, it’s one of the fastest growing professions in the US, which doesn’t bode well for us. What did your upbringing…

Read More

Do you recommend credit consolidation?

A woman's hand gives a thumbs up opposite of a man's hand giving a thumbs down on a teal background

Do you recommend credit consolidation to improve scores and decrease debt? Submitted by Natasha P. There are two parts to this question, so let’s dig into them separately. Improving Your Credit Score Whenever a financial institution pulls your credit with the purpose of offering you a loan, your score may be affected. Closing a credit…

Read More