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Can I Use My Credit Card to Pay Closing Costs?

When you buy a house, closing costs can be several thousand dollars. And coming up with the cash isn’t always easy. It makes sense to put closing costs on a credit card to avoid a sudden financial hit. But can you pay closing costs with a credit card?. Generally, the answer is no. Most mortgage … Read more

Can You Buy a House When You Have Student Loans?

For millions of people, owning a home is a quintessential part of the American dream. But with so many young adults having outstanding student loans, the dream of homeownership can seem like an unrealistic fantasy. According to a 2021 survey released by the National Association of Realtors, 29% of student loan borrowers said their debt … Read more

Should I Pay Off Collections Before Buying a Car?

Paying off collections could increase scores from the latest credit scoring models, but if your lender uses an older version, your score might not change. Regardless of whether it will raise your score quickly, paying off collection accounts is usually a good idea. Although it’s possible that paying off a collection account will raise your … Read more

Should You Put Extra Money in Your 401(k) or Pay Off Your Mortgage? Making the Smart Financial Choice

Let’s face it – having extra money each month is a nice problem to have But deciding where to put those dollars can be tricky, especially when you’re torn between boosting your retirement savings and getting rid of your biggest debt I’ve been researching this question for years, and the answer isn’t as straightforward as … Read more

What Age Should You Be Debt Free? Surprising Truths You Need to Know

Are you stressing about your financial timeline? Wondering if you’re behind on paying off those loans? I’ve been researching this topic extensively, and the answer isn’t as straightforward as you might think. Let’s dive into the real story about debt freedom and age milestones that financial experts actually recommend. The “Ideal” Debt-Free Age – Is … Read more

What Tax Will I Pay on My Pension? A Complete Guide to Pension Taxation

Are you approaching retirement and wondering what’s gonna happen to your hard-earned pension money when the taxman comes knocking? You’re not alone! Understanding pension taxation can feel like trying to solve a Rubik’s cube blindfolded, but I’m here to break it down in plain English. As someone who’s helped countless retirees navigate the tax maze … Read more

What Does the Average Retiree Live On Per Month? (The Numbers Might Surprise You)

These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times. Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism. Our expert reviewers hold advanced degrees and certifications and … Read more