Credit scores, budgeting myths, money moves, marriage and debt and more.

1. Why Does a Good (or Bad) Credit Score Matter?

Cash Cow CoupleCredit scores are three numbers that can impact your financial life for good or bad. This blogger points out seven different areas of your life that hinge on a good credit score.

I’ll point out an obvious example: Auto loans. The blogger points out that a high score (720-850) may offer you a 3.66 percent interest rate on a 60 month loan. A poor score (500-589) results in a 15.22 percent rate. A huge difference — almost five times as much in interest. Check out what other things matter when you have a good or bad credit score.

2. Are You Falling For These Harmful Budgeting Myths

Finance Superhero — The Hero says budgets are “polarizing.” Many “people swear by the practice” and still others “practically convulse” when you mention budgeting.

Either way, he points out seven myths that may prevent people from budgeting. I like the fourth myth: “Budgeting will cause fighting in my marriage.”  On the contrary, couples that don’t talk about money divorce more often — or at the very least, keep financial secrets from one another. Check out this post.

3. Practical Tips to Help You Save Money on All Your Monthly Bills

Saving with Spunk — If you, like many Americans, have problems paying your monthly bills, don’t skip this post. Jen recommends “reevaluating each of your monthly expenses at least once a year to make sure you’re getting the lowest price.”

She discusses six different monthly payments. Her first tip involves car insurance. She says if you want cheaper rates, call your insurer. She even provides “scripts” that help guide you through the negotiation. Read her other smart tips.

4. 10 Life-Altering Money Moves You Can Start Today

Retire Before Dad — RBD admits “life-altering” may be hyperbole, but he believes “we can make decisions every day that can change the course of our lives for the better in small increments.”

I like the seventh move: “Change your consumer mindset.” Don’t just buy blindly. Think about your purchase. Take a week and challenge yourself: Do I really need this thing? Too many people buy impulsively. Check out what he says about relocating and then read this post about mortgages.

5. Should You Get Married When You Have Debt

Newlyweds on a Budget — Chonce discusses her personal story regarding marriage and debt. She and her husband owed a combined $40,000. They still married. She explains what things you should consider before you tie the knot.

For example, they both trusted each other and they formulated a debt pay-off plan. If you plan on marrying or if you recently married and have debt, I highly recommend this post. It provides terrific insight and advice.

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Meet the Author

Brian Bienkowski

Brian Bienkowski


Bienkowski is a contributing writer and is the face of's 'By the Numbers' videos.

Budgeting & Saving

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Article last modified on October 19, 2017 Published by, LLC . Mobile users may also access the AMP Version: Around the Web: Credit Scores - AMP.