retirement planning

Using a 529 Plan To Save For College

A 529 plan is a savings plan that is used to save money for college which offers certain tax and financial aid benefits. 529 plans are quite versatile and they can be used for other things too, such as K-12 tuition bills. The Types of 529 Plans There are a couple of different types of […]

Written by prositesfinancial • Sep 3 • 4 minute read

Credit Card Negotiation Options and Risks

Credit card debt is one of the most pervasive financial issues faced by Americans, with the average credit card balance as of 2016 being $5,551. If paying off your credit card debt is proving to be a substantial challenge, or worse is making it difficult to pay critical household expenses such as groceries, rent, medical […]

Written by prositesfinancial • Apr 17 • 4 minute read

Why Dave Ramsey Might Just Be Right About Using Only Cash

The truth is, most of us just don’t have the self-discipline necessary to use credit cards responsibly. We live in an advertisement saturated consumer society that encourages us to spend, spend, spend at every possible opportunity, and everywhere we go. As a result, most Americans are up to their eyeballs in debt with the national […]

Written by prositesfinancial • Jan 7 • 4 minute read

Top 10 Easy Ways To Save Money Today

Many of us feel like we can never seem to make enough money to make ends meet. It might be drowning in credit card bills or trying to make a student loan payment, but there’s always a reason why we don’t have enough money. While it would be ideal to make more money at your […]

Written by prositesfinancial • Jan 7 • 4 minute read

Key Tips About Student Loan Debt

Overall, the need for student loan debt reform is clear. However, current economical conditions and increasing education costs don’t bode well for any significant changes in the near future. With the student loan debt now surpassing credit card and auto loan debt, it is more important than ever to take precautions and prepare as much […]

Written by prositesfinancial • Jan 7 • 4 minute read

How To Begin Building Your Credit

Starting you credit history is the perfect opportunity to begin good spending habits. With over 45 million Americans you are not alone in this pursuit, and there is a method to the madness. There is so much information out there it may be hard to decide where to begin, but after a little research you […]

Written by prositesfinancial • Jan 7 • 4 minute read

7 Places to Find Money to Pay Down Your Credit Card Debt

If you have been carrying a balance on one or more of your credit cards and struggling to find the money to make the minimum payments, it may feel overwhelming. It can be easy to get discouraged and think you will be stuck in debt forever. Credit card debt can feel like a cruel cycle […]

Written by prositesfinancial • Sep 25 • 4 minute read

Tax Filing: Should You Itemize Deductions This Year?

With 2020 coming to a close soon, many are curious how much sense it makes to itemize their deductions. Although we don’t have a choice when it comes to paying taxes, we do have the opportunity to benefit from deductions. However, there are pros and cons to both that you should be aware of before […]

Written by prositesfinancial • Sep 18 • 4 minute read

7 Ways to Build Your Credit Score Without Using Credit Cards

In today’s world, so many things are paid for using debt, ranging from mortgages and cars to smartphones and student tuition. Having a good credit score is one of the best things you can do to ensure you get reasonable interest rates on any large purchases in the future. However, no one is born with […]

Written by prositesfinancial • Sep 11 • 5 minute read

7 Ideas to Increase Your Retirement Savings

Most of us want to retire someday, ideally, with a comfortable retirement nest egg saved up, growing and earning interest for many years. However, this does not happen by accident! It takes many years of discipline, dedication, and hard work to retire successfully. In this article, we’ll explore several ways you can help to increase […]

Written by prositesfinancial • Sep 4 • 4 minute read

10 Great Tips to Save You Money on Your Car Insurance Policy

Care insurance can be one of the most expensive items on your budget. It can also feel like you’re dumping money down a hole because, as a good driver, you may not use it much. However, it is the law and a must-have for every responsible driver. The good news is, there are some ways […]

Written by prositesfinancial • Aug 28 • 4 minute read