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Should I get a secured credit card to improve my credit score?

Eylül 21, 2025 • moneyfit.org

Question: My roommate told me I should get a secured credit card so I can build my credit score up. Is that a smart move? Donna M. in Buckeye, AZ Answer: A secured credit card can be a great credit-building product, but it can also be a drain on your wallet. Hello Donna, Many,…

How To Bounce Back From Late Payments

Eylül 21, 2025 • moneyfit.org

One of the riskiest situations you can find yourself in when it comes to managing debt is habitually making late payments. Falling behind on your bills can be caused by many factors — you may not have a monthly budget that’s easy to work with, or you may have experienced an emergency situation wherein you…

How To Choose The Right Savings Account

Eylül 21, 2025 • moneyfit.org

Wondering where to turn when it comes to opening a new savings account? Consider these items first. A savings account is one of the safest ways to save money. There are a variety of savings accounts to help you in your financial planning. However, it can be challenging to decide which type is right for…

Avoiding Debt After a Debt Management Plan

Eylül 21, 2025 • moneyfit.org

Question: How can I avoid falling into debt again after completing a debt management plan? Samantha H. from Detroit, MI Answer: To avoid falling into debt again after completing a debt management plan, it’s important to stick to a budget, avoid taking on new debts, and build an emergency fund. Hi Samantha, It’s Finny…

Hobbies That You Can Afford

Eylül 21, 2025 • moneyfit.org

Bored? Low on Funds? Consider These Affordable Hobbies! Hobbies are a great way to spend time. You’re enjoying your interests and feeling accomplished with each achievement you complete. They also open your world to new things, people, events, or skills. However, the challenge with hobbies is that they can get expensive fast. There are some…

What to Do If You Lose Your Job and Can’t Pay Your Bills

Eylül 21, 2025 • moneyfit.org

Question: What should I do if I just lost my job and can’t make my bills? David W. from Las Vegas, NV Answer: If you’ve lost your job and can’t make your bills, take action quickly, create a plan, and explore options like unemployment benefits, government assistance, and debt relief programs. Hi David, Hello…

How Much Money Do I Need To Retire?

Eylül 21, 2025 • moneyfit.org

Retirement won’t be cheap, here’s what experts recommend to have available by the time you check out from the 9 to 5 grind. Most people can’t wait to retire, so they can finally have the freedom to do whatever they want, whenever they want. However, determining the best time to do so involves estimating how…

Debt Management Plan vs. Debt Settlement: What’s the Difference?

Eylül 21, 2025 • moneyfit.org

Question: What’s the difference between a debt management plan and debt settlement? Rachel H. from Austin, TX Answer: A debt management plan is a structured repayment plan that helps you pay off your debts over time, while a debt settlement program is an agreement between you and your creditors to settle your debts for less…

How to Assess Your Financial Health

Eylül 21, 2025 • moneyfit.org

Taking time to routinely evaluate the health of your finances can go a long way toward gaining financial security. In a world where prices of goods are skyrocketing and bills are steadily rising, it’s an important skill to learn how to assess financial health. You should implement scheduled evaluations of your finances, just as you’d…