Jordan Semprevivo Blogs - Page 4


When Does It Make Sense to Take on Debt?

Published May 2021
Some types of debt can rob you of your freedom, future, and financial options. However, under some circumstances, some types of debt may actually end up helping you in the long run.  It pays to know the difference...
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Topics: Financial Education

What is Credit Card Churning?

Published May 2021
For some, earning rewards through churning is an attractive option. For others, frequent credit applications may mean lower credit scores and credit card debt. In many cases, though, the need for constant credit card payoff can lead to financial strain.
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Topics: Credit Card Debt

How to Manage Debt in Retirement

Published May 2021

Retirement is the time most working people picture as the moment when they have enough money to enjoy life without having to work. Yet many people retire and still carry home equity loans or even student loans, despite having worked for many years. Life demands make it harder for older Americans to retire, even if they have worked a lifetime. Carrying debt into this phase of life can be a significant source of stress.

Having a large amount of debt when you are ready to retire can present a retirement planning challenge. Here are some tips on paying down debt in retirement.

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Topics: Debt Consolidation

How to Cut Back on Expenses

Published April 2021

Cutting back on expenses can be tricky and stressful, but it can be done. We’ve put together some ideas to get you started but, if you get creative, you’ll find there are countless ways to stop the unnecessary spending today!

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Topics: Saving Money

5 Ways to Vacation Debt-Free

Published April 2021

Vacations should be about relaxation and the stress-free enjoyment of the moment. But how can you relax and live in the moment if you charge your trip to a credit card and have to worry about how you’re going to pay for it as soon as you get back?

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Topics: Financial Education

DIY Debt Settlement: What You Need to Know

Published April 2021

If you are one of the millions of Americans in credit card debt and you’ve been exploring your debt relief options, you’ve likely already discovered that there’s a lot of information on how to settle your debt.Paying off debt can feel like an uphill battle, especially when it seems like there is never enough money to be fully debt-free. Thankfully, there are several debt repayment plan solutions available to you, such as debt settlement.

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Topics: Debt Consolidation

How Americans are Spending Stimulus Checks

Published April 2021

As the latest round of COVID payments roll out, here’s a view of how Americans are spending their stimulus checks.

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Topics: Covid Debt Relief

Will Consumer Credit Trends from 2020 Hold Steady in 2021?

Published April 2021
The consumer credit market responded to the various pandemic-triggered crises of 2020 in ways that you may find surprising. Instead of imploding, it saw dropping credit utilization ratios and balances, improved payment histories, and skyrocketing credit scores. All these developments happened against the backdrop of slowing lending and dropping originations during the second quarter of the year.

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Topics: Financial Education

How to Budget to Save Money

Published April 2021

If your goal is to save money – you need to work it into your budget. Read on for tips on how to budget to save money.

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Topics: Saving Money

Understanding Your Debt-to-Income Ratio

Published April 2021

Understanding how creditors evaluate your creditworthiness is one step in the right direction toward achieving your financial freedom. After all, knowledge is power, and knowledge of how financial matters work can help you make your way out of debt into financial stability.

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Topics: Financial Education