Hit enter to search or ESC to close

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.

Two colleagues discussing data with smart phone and new modern computer laptop on desk table

Should I Use A Business Loan Brokers or a Direct Lender?

Starting or running a business can be tough. Every step of the process can be a challenge, but perhaps none more so than getting the money you need to move up your business. The saying, “It takes money to make money” is true with all businesses. Even the simplest of businesses need things, so what ...
Successful businessman offering a car key with contract.

How to Drive Off With A Pre-Approved Car Loan

Choosing a new car is hassle enough itself. Getting financing in order does not have to be. Before you start shopping for a car, have your financing lined up with a pre-approved car loan. You have probably heard the terms “prequalified” and “preapproved”. Both are helpful steps but which one should you go for? Well, ...

How Refinancing With a Private Student Loan Saves Money

Overall, about 45 million Americans owe over $1.6 trillion in student loan debt. The average student debt is almost $30,000. That is quite a scary number. Of course, the number can fluctuate from person to person. My student loan debt exceeds $100,000. Others only need to borrow a few thousand. Regardless of the amount, student ...
Modern apartment building

Helpful Tips to Refinance a Rental Property

Chances are that if you are paying on a mortgage for a rental property, you have probably at least heard about refinancing it. Refinancing a rental property means that you are paying off one mortgage by opening another one. You are basically exchanging one mortgage for another one. This may seem counterproductive, but it does ...
Cars For Sale Stock Lot Row

Speedy Tips for Buying a Car Out of State

Many people choose to buy a car out of state over buying a car in their state for various reasons. Sometimes, sellers are offering a much lower price than others or maybe someone in another state simply has the vehicle the buyer is looking for. No matter the reason, it is a common occurrence. It ...
Fingers walking on pile coins saving to hat graduation model

A Lesson on Federal Student Loans vs. Private Loans

When it comes to covering the ever-increasing costs of college, it can get a bit confusing. There are several options to help with the expenses, the most common being federal student loans and private student loans. There are advantages and disadvantages to each of these choices, so how does one know which route to go? ...
Worried graduate student shaking a piggybank isolated on white background.

How to Avoid Common Student Loan Scams

Student loan debt is extremely high and is a major topic of conversation. With financial topics like these, they tend to be the target of scammers. At least three out of five people have received a phone call from an illegitimate company that claims they are the solution to your higher education loan debt. Sadly, ...
Skyscraper glass facades on a bright sunny day with sunbeams in the blue sky.

Personal Loans From Banks Can Be A Secure Move

There are plenty of reasons to consider getting a personal loan. Some common ones include getting a personal loan for credit card debt, getting a personal loan for home improvements, and getting a personal loan for a vacation or other special event. These are not the only reasons, of course, as personal loans can be ...