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How Does a HELOC Work?
By Tammy McKinney | Feb 5, 2026
If you’re a homeowner who needs access to funds, a Home Equity Line of Credit, or HELOC, can be a flexible option based on your home’s equity. Unlike traditional loans,...
Are Federal Tax Refunds Taxable?
By Brett Holzhauer | Feb 5, 2026
A tax refund is the government giving you back your taxable income if you paid too much throughout the year. So federal tax refunds are not taxable; it’s yours to...
6 Common Budgeting Mistakes to Avoid
By Deane Biermeier | Jan 29, 2026
If budgeting feels harder than it should, you’re not alone. Many people struggle not because they lack discipline, but because they run into the same common budgeting mistakes over and...
When Should I Refinance – Anything?
By Tammy McKinney | Jan 26, 2026
If you’re carrying a loan, whether it’s a mortgage, car loan, student loan, or personal loan, you’ve probably heard the term “refinance.” Refinancing a loan is when you replace your...
How Much Should I Be Saving Each Month?
By Tammy McKinney | Jan 22, 2026
How much should I be saving? In short: how much you should save depends on your income, expenses, and goals, but even saving 5–10% of your income or a small,...
How Much Car Can I Afford?
By Deane Biermeier | Jan 16, 2026
Buying a car is exciting. Many people skip the step of figuring out how much they can afford. Learning this before committing puts you ahead of most buyers. Lenders may...
Compound Interest Vs Simple
By Chris Teague | Jan 10, 2026
Saving and borrowing money are great ways to get ahead in life, but the interest earned or paid on those funds is where the rubber meets the road for most...
9 Real-Life Factors to Consider When Borrowing Money
By Tammy McKinney | Dec 29, 2025
Life is expensive, and for many, borrowing for essential purchases is an absolute necessity. Furthermore, according to the United States Census Bureau statistics, debt is inversely related to age, with...
What Is a Tier One Credit Score?
By Deane Biermeier | Dec 27, 2025
When applying for a mortgage, auto loan, or premium credit card, you might hear lenders refer to your credit tier rather than your exact credit score. This often leads to...
Petco Vs PetSmart
By Tammy McKinney | Dec 17, 2025
Often situated within a reasonable distance from each other, many pet owners wonder which retailer offers the best deals, grooming, training, adoption programs, rewards, pet food brands, and overall services....
How Can I Lower My Credit-Card Interest Rate?
By Chris Teague | Dec 13, 2025
Credit cards are powerful financial tools that can help in a number of situations, but they don’t come without risks and costs. One of the most impactful costs is the...
How to Pay for a Funeral: Costs, Options, Loans, and Plans
By Tammy McKinney | Dec 13, 2025
Our How to Pay for a Funeral article explores viable options for funding a meaningful service to honor your loved one. According to the National Funeral Directors Association, the average...