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Brandy Woodfolk

Author: Brandy Woodfolk

Brandy Woodfolk is an educator, home business owner, project manager, and lifelong learner. After a less than stellar financial upbringing, Brandy dedicated her schooling and independent studies to financial literacy. She quickly became the go-to among family, friends, and acquaintances for everything finance. Her inner circle loves to joke that she is an expert at “budgeting to the penny”. Brandy dedicates a large portion of her time to teaching parents how to succeed financially without sacrificing time with their little ones. She also teaches classes to homeschooled teenagers about finances and other life skills they need to succeed as adults. Brandy writes about smart money management and wealth building in simple and relatable ways so all who wish to can understand the world of finance.

A Simple Overview of How Auto Loan Interest is Calculated

Buying a car is exciting and challenging, and it can be quite overwhelming. It is, however, something that the average American will face numerous times throughout their lives.  Regardless of if you need a two door car or a car for your family, you have to think things through and have a strategy when you ...

Credit Cards for Fair Credit: Swipe Here

Credit cards can be excellent tools when handled responsibly. If you have been thinking about obtaining a credit card but are afraid you will be turned down due to your fair credit score, we have good news: there is a card out there for pretty much anyone. Fair credit may not be the best, but ...

Credit Cards for Good Credit: Insert Chip Here

I have noticed that the better your credit is, the more credit card offers seem to head your way. Also, I can always tell my credit score has risen when I get a mailbox full of “pre-approved” credit card offers. I do monitor my credit, but I do not watch it 24/7. Credit card companies ...

Fees Credit Card Companies Don’t Want You to Know

Credit cards can be one of the most helpful and convenient things. They can handle emergencies and other unexpected expenses, gas and necessities in between checks, and more. The question is whether or not those nifty little pieces of plastic are worth the cost. Even more important: do you actually know what your credit card ...

Loans for Rent When You Come Up Short

You just got your check and realized that there is not enough there to cover your rent. Uh oh. So if you are currently faced with this situation, take a breath and let’s figure this out. Go ahead- breathe…we will wait. Better? Good, let us begin. First and foremost, know that you are not alone. ...

What Student Loan Forgiveness Options are Available?

A few days ago, I received a notice in the mail that my student loan payments are coming due. I had been dreading the payments for years, but I was honestly shocked at the amount of my monthly payments: $1153.35. Who has that kind of money left over each month? Not me. I do not mind ...

How to Do a Cash Out Refinance to Consolidate Debts

If you are a homeowner and have found yourself in need of funds at any point, you have probably heard of a home equity loan or home equity line of credit, both of which are very helpful options under the right circumstances. However, there is another option that many find even more helpful: a cash ...

9 Popular Lenders Offering Personal Installment Loans

Loans can be an extremely helpful tool to change your financial situation. That is, if you choose a good loan and handle it responsibly. Otherwise, the loan can make your financial situation even worse, and that is not what anyone wants. Personal installment loans are often one of the best loan options to choose if ...