Why You Need to Know Your Credit Score

Credit Sesame


A great credit score is what most of us aspires to. After all, a credit score is one of the important determining factors when it comes to borrowing money – and getting a low-interest rate when you do. If you ever plan to buy a car, a house, open a credit card, start a business, etc. you need to understand what a credit score is, what your personal credit score(s) is, and how it affects your personal finances.


Credit Scores


But trying to pin down a specific number that means your credit score is “good” can be tricky. After all, there are lots of different credit scores that lenders use when trying to decide your “risk level” and whether to grant you a loan.


How Do You Rate?


Most credit scores – including the FICO score and VantageScore 3.0 – operate within the range of 300 to 850. Within that range, there are different categories, from bad to excellent. They generally look like this: Continue reading “Why You Need to Know Your Credit Score”


6 Habits You Must Start Now to Achieve Financial Independence Later

Financial Independence


According to Wikipedia, financial independence is “the state of having sufficient personal wealth to live, without having to work actively for basic necessities”. Many of the things we do right now to improve our personal finances are meant to reach this ultimate goal in which we no longer have to worry about money and/or its source (ie working).

This is also synonymous, and a prerequisite, for retirement. Continue reading “6 Habits You Must Start Now to Achieve Financial Independence Later”

Eating Healthy on a Budget: My Blue Apron Review

Blue Apron’s Mission Statement

“Our food system—the way in which food is grown and distributed—is complicated, and
 making good choices for your family can be difficult. We are changing that: By partnering with farmers to raise the highest-quality ingredients, by creating a distribution system that delivers ingredients at a better value and by investing in the things that matter most—our environment and our communities. This will be a decades-long effort, but with each Blue Apron home chef, together we can build a better food system.”

Continue reading “Eating Healthy on a Budget: My Blue Apron Review”

The DASH Diet Didn’t Work

The Dreaded DASH diet


When I was first diagnosed at the age of 29 with hypertension (high blood pressure), my doctor prescribed the DASH diet (and lisinopril once a day).

I started working hard on controlling my blood pressure through diet changes and increasing my activity.

I first started trying to eliminate as much salt and sodium from my diet as possible. This is the first thing health care professionals, even me (as a cardiac nurse), tell people to do.

Continue reading “The DASH Diet Didn’t Work”

Listen Up! Your Public Service Loan Forgiveness Program Might Be Going Away

Public Service Loan Forgiveness

Scary news ahead if graduated from college in the last 10 years!

President Trump and Secretary of Education, Betsy DeVos’ have initially proposed an education budget that will seek to eliminate the Public Service Loan Forgiveness program which could be devastating to many borrowers and cost student loan borrowers billions of dollars!  Furthermore, Trump and DeVos will likely seek to eliminate over $700 million in Perkins Loans and massively reduce work-study programs.

Continue reading “Listen Up! Your Public Service Loan Forgiveness Program Might Be Going Away”

Part 2: What My Own Divorce Taught Me

My Divorce

Back in 2015, the sale of our marital townhouse was one of the last steps on the path to finally settling our divorce.

Regardless of the price my once-cherished home commanded, selling it was just one more painful loss in a long process of painful shedding – which is what a divorce comes down to. Continue reading “Part 2: What My Own Divorce Taught Me”

Part 1: What My Parent’s Divorce Taught Me About Money

One doesn’t generally associate divorce with great personal finance education.

Most children of divorced parents might argue that divorce is a terrible, emotionally unpleasant time—particularly where money is concerned. And, it is.

While I agree that it usually is a miserable time, both emotionally and financially, I have to credit my parents’ divorce with some of the most important financial lessons of my life, and for making me the financially responsible adult I am today. Continue reading “Part 1: What My Parent’s Divorce Taught Me About Money”

Yet Another Betterment Review: Because I Love Them

My Betterment Review


I know that by now the personal finance sector of the web is saturated with reviews for Betterment: so I just had to write my own!

I have been using Betterment for almost 16 months at this point. I have a toal of 3 accounts with them: a Roth IRA, a Traditional IRA and a taxable account.

Before deciding to invest with Betterment, I spent some time researching the growing number of robo-investing platforms, including Personal Capital and Wealthfront. Even larger investment firms like Vanguard and Charles Schwab have started to add their own robo-investing type services to compete with the exceptional and popular platform Betterment has almost perfected. Continue reading “Yet Another Betterment Review: Because I Love Them”

Take Control of Your Finances by Taking Control of Your Health

High Blood Pressure


I am 30 years old and I was diagnosed with high blood pressure (hypertension) at the age of 29.


I was beyond shocked shock when I was diagnosed. I thought I was too young to develop a chronic medical condition.


I thought I was healthy. I thought I was eating healthy. I thought I was active and physically fit. I have never been overweight – my BMI is 21.


Yet, I still developed hypertension.

Continue reading “Take Control of Your Finances by Taking Control of Your Health”