credit card debt | Something On My Mind

the personal finance blog

Sep 8, 20211 min

PFT #39 - Personal Finance Tip: Debt-to-Income Ratio & The Risks of Getting a Loan Approved

DTI measures the amount of debt correlated to your overall income. This helps to determine if you can get a loan approval

Jul 15, 20211 min

PFT #30 - Credit Unions Competitive Borrowing Rates - Make a Positive Impact on the Budget

Many people handle their money with major banks; however, credit unions can offer many advantages that banks do not.

May 3, 20216 min

#57 Life After College: I Need Job. I Need a Budget. Where Do I live? Help!

We are parents of kids that are now out of undergrad and facing real life. The kids need to find jobs, budget and figure out their lives.

Apr 30, 20211 min

Government Sponsored Entities (GSEs)

A government-sponsored enterprise's (GSE) function is to enhance the flow of credit to targeted sectors of the economy.

Apr 13, 20212 min

What is an Emergency Fund

When it comes to financial planning one key component is to have an emergency fund. This differs from a rainy-day fund which is for...

Feb 21, 20215 min

#47 - The 2020 Tax Review: Why You Don't Want a Tax Return & How The Money Improves the Budget

If your standard deduction is less than the total of your itemized deductions, then you should be able to save money.

Dec 31, 20205 min

Podcast #39 - Deferred 0% Interest Rate Credit Cards and How They Impact Your Budget

Rule #1: as long as you pay the credit card with regular installments before the 24 months expire you will accumulate no interest.