Simplifying personal finance for the young working class adults.

Is FICO Credit Score Accurate?

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When you check your credit score from different credit reports, it will vary. This is because each credit report has a system of rating your credit worthiness. As a result, the number will vary slightly or widely depending on the credit rating type you are looking. Currently, there are two main credit rating models used …

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How To Sign A Check Over To Someone Else

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To sign a check over to someone else, is to relinquish the right to cash the check to the person. There are requirements which have to be met before you could do this. Otherwise, banks will not cash the check. There is a high risk of check frauds with checks signed over to someone else. …

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6 Best Cell Phone Plans For Seniors On A Budget

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A while ago, I talked about Mint mobile cheap phone plan for seniors on an article. The thing is it is not unusual for phone networks to have senior discounts for the elderly. Although some young working class adults are not aware of this, you could get senior discounts for your parents and grandparents. I …

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How To Use Western Union To Send Money

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In today’s world where you can send money to another person within minutes, western union still counts. I cannot begin to tell how western union has come through for me as a young working class adult. It still beats waiting one to three business days for a bank to send money to another bank on …

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How To Cancel A Chase Credit Card

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Canceling a credit card is more than just cutting it up with a pair of scissors. I remember the first time I canceled a credit card. It dropped my credit score by some points. The reason was because the credit card was not cancelled the right way. So, how do you cancel a Chase credit …

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6 Best Cheap Phone Plans For Frugal Adults

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I once had a conversation with a friend of mine who was paying a $120 monthly as her phone bill. It was hard to fathom what kind of benefits would warrant such an outrageous cost. This is especially in an era where one could find some of the best cheap phone plans in the nation …

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