Everyone needs to be concerned about their credit. Building credit is necessary in order to obtain a credit card, buy a car, buy a house, rent an apartment, or even apply for a job. Chances are that you are already building credit, whether you are aware of it or not, and maintaining a good credit score is important as your life changes. Being proactive about building your credit can open new doors for you as you plan for the future.
Buying a new home is always exciting, but shopping for the right mortgage may not be. There are so many mortgage options these days, and with the boom in online lenders it can seem like everyone has a deal for you. Your challenge is to find the right mortgage for your needs, and if you are a first-time homebuyer or need a little extra help, you should consider applying for either a HomeReady® or Federal Housing Administration (FHA) home loan.
Congratulations! You’ve graduated to the next phase of Adulting 101: buying a car. This process isn’t wildly different from shopping for a home, but it does come with its own set of questions. Do you prefer used versus new? Style versus functionality? Speed versus comfort? Diesel versus gas? We’re not trying to be clever here (well, sometimes), but perhaps the easiest way to answer these questions is with additional puzzlers. For example…
Not too long ago, a little tidbit came out that younger adults can’t afford home renovations because they’re spending too much on avocado toast and activated charcoal smoothies. Priorities, right? If this sounds like you, help is on the way. Some of the biggest names in real estate will admit that no house is perfect—just ask Chip and Joanna Gaines. There’s always room for tinkering and improvement. Perhaps it’s a drippy water pipe or a slanted doorway, or maybe the living room needs a new paint job. These are the easiest ways to fund your home renovations.
You know the saying, “Good things come for those who wait?” We’re pretty sure the person who said that was looking to buy a house. Whether you’re a first-time homebuyer or an experienced house-hopping veteran, buying a house comes with a lot of questions and decision making. With so many options on the market, how do you possibly decide? Well, here’s where you can start.
Welcome to Adulting 101—a lesson on how to make it on your own after college. People often say the college years will be the best years of your life, but they don’t explain why. Let’s be honest: The best part of attending college or university is living life at the meeting point of childhood and adulthood. This article isn’t meant to intimidate you, but rather to prepare you for what happens after graduation. College may be over, but Adulting 101 might be your most important class, yet.
“Go to college,” they said. “It will be the best years of your life.” Almost everyone has a crazy story from their college days, and we’re willing to bet that not one of them mentions tuition. As of October 2017, the price of college education rose faster than inflation. The average annual cost rose by $300 at public four-year colleges and $800 at private schools. It’s no wonder that students are applying for loans left and right. But as a young adult who is starting to look for their first full-time, salary-paid job, how do you save money while paying off student loans? Here are a few tips:
Buying a car in the Pacific Northwest has never been easier to do yourself. Whether it’s an upgrade or a first-time purchase, we have the need-to-know info to make your shopping experience as simple as possible. Hopefully, by following these five steps, you can shift gears into that peaceful PNW state of mind without coming across too many speed bumps.
If you’re one of those people who continuously checks their savings account, this article about saving—and how much you should be saving—will be helpful. It’s not uncommon to get sweaty palms right before paying rent, phone bills, and car and health insurance toward the end of the month. But, if we all got better at saving, maybe that problem wouldn’t exist, right? How much you should be saving isn’t a one-number answer. There are many factors that go into calculating the total. So strap in, because who doesn’t love a little math problem?
Can you remember the first time you opened a bank account? Seems like forever ago, right? It’s such an everyday occurrence that sometimes people forget what a bank account actually entails. What are the pros? Are there any cons? What are the need-to-know bits and pieces of opening a bank account? In this article, we’ll explore the types of questions you should ask.