Looking to finance a car, buy a house, or consolidate debt? Debt-to-income ratio determines the likelihood of finding a lender. For this reason, estimating this number in advance of a loan application where it is used best. Besides giving the applicant an idea of the risk of having too much debt, the debt-to-income ratio helps […]

When you don’t have a steady paycheck, it’s easy to rationalize not needing a budget. After all, if you don’t have any money coming in, why should you worry about how you spend it? In fact, having a budget is even more critical when you don’t have a steady income. Having a budget allows you […]

When you don’t have a steady paycheck, it’s easy to rationalize not needing a budget. After all, if you don’t have any money coming in, why should you worry about how you spend it? In fact, having a budget is even more critical when you don’t have a steady income. Having a budget allows you […]