Americans have a love affair with credit cards. There are roughly 570 million credit card accounts in the country – equal to about two cards for every adult. However, despite this widespread prevalence, many Americans still believe one or more credit card myths. As a result, these people may be harming their credit scores, paying unnecessary fees or otherwise hindering their financial potential. Here is the truth behind six common credit card myths that can help you become a smarter credit user.
The paint colors that you choose for your home have a subconscious effect on your mood. That’s why taking the time to figure out which colors work best in each of your rooms is key to tying your home together. While it can be tempting to stick to strictly neutral tones, consider introducing a few other colors to brighten and influence the mood of your spaces. Here’s a look at the impacts that each color can have and which rooms these hues are best suited for in your home.
If you’re paying for private mortgage insurance (PMI) on your home loan, you may qualify to remove it early. Since mortgage insurance only protects your loan servicer (the company you make your mortgage payments to) and not you, the sooner you can get rid of it and stop paying monthly premiums, the better. Here’s an overview of the options for removing mortgage insurance.
First impressions can matter, and that’s true when it comes to your home as well. Whether you’re preparing to list your home for sale or you’re just looking to elevate its exterior appearance, there are simple steps you can take to boost your property’s curb appeal. Impress your neighbors and any potential buyers with these tips to help your place make a great first impression.
It can be overwhelming to manage all your expenses and income without a dedicated plan. Creating and following a budget allows you to spend money with confidence without losing track of your financial goals. Follow these steps to develop and maintain a budget that aligns with your lifestyle and financial plans.