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.

How to Get Grants for College to Avoid Student Loans

College is not cheap- this is a widely known and well accepted fact. While tuition varies depending on the college and degree, you are looking at spending at least tens of thousands of dollars. As nice as it would be, most of us do not have that kind of money lying around, so we have to find a way to pay for it.

The 11 Top Business Credit Cards: CEO Approved

Sometimes, when expenses pop up, resources may not be fluid, so you need an alternative option. Business credit cards can be a great way to take care of these expenses.

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 you can still find a credit card to help you meet your goals. This information should help you with your search.

Taking Out a Wedding Loan with Bad Credit: Married to Debt

Getting a wedding loan with bad credit is possible. Depending on your score and financial situation, it might take a little extra work to find a loan- especially compared to those with great credit scores. In this article, we talk about everything you need to know about wedding financing if you have bad credit.

What Student Loan Forgiveness Options are Available?

We are going to take a look at ways to get student loan forgiveness/cancellation/discharge, how to learn about them and how to qualify.

Should You Finance TV and Audio Equipment? Turn off!

The answer to this question is really a personal one. There is no one size fits all. You might have people tell you that it is a bad idea to finance TV and audio equipment, but that is not always the case. Handled responsibly, any kind of debt can provide benefits that help you down the road, like building your credit. At the same time, going into debt for the simple sake of going into debt is not usually a good idea. But there are still many good reasons to use a loan.

Can I Use a Personal Loan to Pay for Major Appliances?

If you deem an appliance as immediately necessary, no one should try to convince you otherwise as priorities are different in every home. If you choose to get a personal loan for major appliances, you will be in good company as many others do the same. Make sure you assess the situation and find your reasons for getting a personal loan.

How to Get a Personal Loan to Repair Your Car

Not being able to get around when you need to is a horrible feeling, and you want to do anything to change it, even if it means going into debt and getting a loan to repair your car. That should be the last resort though not the first choice. Let’s look at some questions you need to ask yourself before getting a loan.

Pros and Cons of Credit Cards: Swipe?

As with almost everything in life, there are both pros and cons of credit cards. Nothing is quite perfect. The question is do the pros outweigh the con? I do not think that the answer will be the same for each person, as everyone has a different financial situation, different characteristics, different strengths, and weaknesses. Therefore, anyone who is considering applying must understand the pros and cons of credit cards so they can answer that question for themselves.

Your A+ Guide to the Five C’s of Credit

Your credit is not determined by a single item. Instead, it is an equation of multiple factors- all of which speak to your ability and possibility of repaying the loan. These factors are lovingly referred to as the five C’s of Credit.

We’re all about helping you reach your financial goals, whether that’s paying off your student loan, consolidating credit card debt with a personal loan, shopping for a mortgage or growing your wealth.

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