
What Is a Debt-to-Income Ratio?
If you’re trying to buy a house, you might have come across the term, “debt-to-income ratio.” The term can be confusing, especially if you’re a first-time home buyer. In this post,
Jeri Toliver is a financial educator, entrepreneur, and CEO of Smart Credit Solutions. As a single mom, she transformed her life by overcoming bad credit, building a credit education platform, and traveling the world with her family—all while empowering others to take control of their credit and finances. With over a decade of experience, Jeri is passionate about helping individuals and small business owners achieve financial freedom through education, strategy, and inspiration.
If you’re trying to buy a house, you might have come across the term, “debt-to-income ratio.” The term can be confusing, especially if you’re a first-time home buyer. In this post,
FACT: Cash is king, but credit is power. Let me explain … There’s a whole lot of bad talk about using credit cards and many personal financial gurus advise against it.
Looking to “make” more money? Doing so will undoubtedly free up more funds for luxury vacations, that dream house or car you’ve been eyeing, college tuition for your kids and
Do-it-yourself credit repair isn’t impossible, but it’s more complicated than people may realize. Without detailed knowledge of how credit works, it’s easy to jump on solutions that are anything but.
If you’ve been following us for a while, we know that you know why your personal credit score is a big deal, and where you can go to get your
Do you plan on getting financing for your business? If so, how would a supplier, vendor, bank or lender get a better understanding of your business’ credit history and creditworthiness? Today, we
Why don’t more small business owners establish credit for their businesses? The likely answer is because many don’t know how to get started and where to find the right credit sources.
Building a budget doesn’t have to be boring and it doesn’t mean you’ll never get to spend any of your money on fun stuff. If you make a good budget for
Debt isn’t always a bad thing but having a lot of it can be burdensome and it can hurt your financial future. If debt is getting you down, know you’re not alone.