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What Goes Into Your Credit Score?
A good credit score is essential for purchasing a new place, a new car, or taking out a loan with better interest rates — but what factors go into the number? No Single Number First, there is no definite credit score — there are different credit score models. The credit reporting agencies TransUnion, Experian, and Equifax together give the VantageScore.…
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How to Make Your New Year’s Resolutions Stick
Traditionally every January, gym sales soar from the wave of new year’s resolutions to exercise — but they quickly decline over the next few months. Relatable, right? However, instead of blaming our own self-will, we can change for the next year by setting new year’s resolutions that have the right balance of ‘realisticness’ and challenge that you…
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Budget-Inclusive Holiday Gift Guide
2020 has been one crazy year, but December has arrived and we’re finally nearing the end of it! Although the holiday season might look a bit different this year, that doesn’t mean you can’t still spread some love and happiness through the act of giving. Finding the perfect holiday gift can be difficult, but that’s…
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2020 Holiday Finance Guide
As of November, over 20 million Americans are unemployed and receiving some sort of unemployment benefits. Those are harrowing numbers. With this in mind, nobody’s going to blame you for easing up on gifts this year; times are tough. Meanwhile, you may already be concerned about the state of your savings account. An unexpected bill…
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How to Budget and Improve your CashScore: Thanksgiving Edition
Thanksgiving is right around the corner! Is it your turn to host the Thanksgiving dinner? Even though Thanksgiving may look slightly different this year, with smaller gatherings and a tighter budget, don’t let that stop you from having a great Thanksgiving meal with your loved ones. Here are 5 tips on how to prepare the…
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Do You Really Need a Savings Account?
Saving is always wise — but is a savings account the best way to save money? What is a Savings Account? While checking accounts are used to store money for daily expenses like food or bills, savings accounts are used to store money over a long period of time. Although fees and withdrawal limits may be drawbacks, savings…
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Breaking Down the Biden Economic Plan
This November was reckoned by a chaotic election season that will lead a very unprecedented year, and presidency, to an end. Days after voting, Americans across the country sat in anticipation of the results of a very close presidential race. The suspense built up to a conclusion that found many people unable to hold in…
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The Waitlist, Some Changes, and What’s Next: An Update From Tomo
This pandemic has no doubt been hectic for everybody. With millions of Americans losing their jobs, millions unemployed, and millions infected, millions of us are growing more and more frustrated. When the shelter-in-place orders began back in March, like most of you, we were worried about what the future would hold for us. As most…
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Voting for Your Finance
This year’s presidential election has become a hot topic, and how you vote will undoubtedly have a tremendous impact on not only the entire nation, but also you and your personal finances. Let’s talk about where Biden and Trump stand when it comes to finances. Tax Policy No one likes to pay taxes and politicians…
