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Most people think of a home equity line of credit (HELOC) as a tool for big, planned expenses like home improvements, paying down debt or covering college costs.  Those are all smart uses. But if you’ve built meaningful equity in your home, you may have more flexibility to use HELOC funds than you realize.  While you can technically use a HELOC for almost anything, that doesn’t mean you should. […]

You’ve done the hard part. You’ve built up savings, organized your credit union or bank accounts and created some financial stability.  But there’s one piece missing: your credit history.  If you’ve never used credit before, it can feel like a catch-22: You need credit history to qualify for credit cards or loans — but you need credit cards or loans to start building credit history in the first place.  But if you’ve already been investing in your financial health, you’re in a […]

Getting married means combining more than calendars and closet space. It also means figuring out how you and your future spouse will make everyday financial decisions together. Money tends to come up more often than couples may expect. A recent survey of U.S. couples found the average pair has about 58 arguments a year about […]

Divorce can affect nearly every part of your financial life, from your monthly budget to your retirement timeline.   The transition often comes with big changes: a shift in income, new housing costs, different financial responsibilities and a long list of accounts and documents to update. It can feel overwhelming, especially if you’re trying to make important financial decisions while your life is still in flux. That’s why practical advice can […]