by Michele Cagan | Jun 12, 2025 | Get Help When You Need It, Managing Debt, Personal Finance, Protect Your Financial Future, You Need to Know This
Your credit report holds a lot of sensitive information. It spells out where you live, if you’ve ever been sued, and whether you pay bills on time. Companies sell those reports to businesses that want to check your credit such as: Lenders Landlords Employers...
by Michele Cagan | May 16, 2025 | Managing Debt, Protect Your Financial Future, You Need to Know This
This post was originally published October 27th, 2022. It has recently been updated with more accurate information regarding credit card debt and balance transfers. Millions of people are drowning in credit card debt, feeling like there’s no way out. Between Covid and...
by Michele Cagan | May 5, 2025 | Making Ends Meet, Managing Debt, Personal Finance, Protect Your Financial Future, You Need to Know This
This blog post was originally written in 2023 during a short time when a small number of banks were failing. The post has been updated to include new and more current information on how to manage your financial anxiety during a banking crisis. Tariffs, layoffs, and...
by Michele Cagan | Feb 15, 2025 | Managing Debt, Personal Finance
Most financial advisors will tell you to refinance your mortgage if you can lower your rate by as little 1%. The idea is that the lower rate will lead to lower payments, making your mortgage more manageable. But that’s not always a good idea. Because sometimes...
by Michele Cagan | Feb 15, 2025 | Making Ends Meet, Managing Debt, Single Mom CPA
When you’re trying to borrow money – and that includes applying for credit cards – it pays to know your DTI, or debt-to-income ratio. Your DTI presents a snapshot of what your debt looks like in relation to your income, and it helps lenders – especially mortgage...
by Michele Cagan | Feb 15, 2025 | Get Help When You Need It, Making Ends Meet, Managing Debt, Protect Your Financial Future, Single Mom CPA
Your credit and your financial future are at risk. The Equifax breach is just the latest in a long line, and it’s the worst we’ve experienced… so far. The truth is that your information is out there, it’s vulnerable, and criminals have access. One protective step you...
