budgeting

Is 300 A Perfect FICO Score?

The FICO score ranges from 850 to 300 - exceptional to very poor. Of course, if you tried to get a loan from a bank with a credit score of 300, you’d be laughed out of the lobby. So why is 300 a perfect credit score? Let’s look at some data to answer this question.

First, this is how your credit score is calculated.[1]

12c Things I Learned from my Calculator.

In a world of chats, posts, opinions and rhetoric it’s nice to have a trusted advisor who can perform without emotion or fear.   My advisor tells me what I need to hear not what I want to hear.   I get the facts and only the facts.

Money Follows the Heart.

Creating a budget is about as fun as getting your wisdom teeth pulled.  Budgeting is a painful task for most people and most would rather do anything else besides figuring out where their money is going.  However, to be a successful saver and investor it’s imperative to spend some time reviewing your spending habits.

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