Perfect credit, secured cards, unexpected expenses, dual enrollment and more.

1. Perfect Credit Score: 4 Steps to 850

I Will Teach You to be Rich — Who doesn’t want a perfect credit score? The benefits are monumental — great terms on car loans and mortgages, better insurance rates and more. Tony explains how the credit bureaus determine your score, and provides three case studies from people who have a perfect score.

One guy, Harry, says, “As long as you’re making automated payments each month and you have a low credit utilization ratio, none of the rest really matters.” Maybe, but I’d take all the information provided and work out a scenario that best fits my financial situation.

2. What’s the Difference Between a Secured Card and a Prepaid Card?

Supermoney — If you want to build credit or become a better money manager, these cards are useful. But they’re very different financial tools. Ben says, if you’re getting offers for these cards, “it’s important to understand the difference between a secured card and a prepaid card, and which option you need right now.”

Either way, both cards can do you harm financially if you don’t follow the rules and use them responsibly. After reading this post, check out this post on secured credit cards for more information. And remember, what ever card you choose, follow Ben’s advice and use it wisely.

3. 5 Things That Cost More Than They Are Worth

My Dollar PlanWasting money is easy. People waste it everyday on energy drinks, expensive coffees and big ticket items like cars. But sometimes, you’re wasting money and don’t know it. You think you’re getting value for an item or service, but in reality you’re not.

Don provides five things that are overpriced and sometimes worthless. I like the second one: Air Duct Cleaning. As he says, “there has been no research that shows air duct cleaning leads to better health. But some experts think that cleaning your ducts could actually be harmful to your health.” Find out why and check out the other four things.

4. Unexpected Expenses: 6 Things to Plan for and How

Atypical Finances — Unexpected expenses happen all the time. That’s why we have emergency funds. But Tim says there are some expenses, we should expect. So, in reality, these things aren’t unexpected and we should plan for them in our budget.

For example, car repairs. He says, “For vehicle-related maintenance, start with a budget $50 a month. Depending on how old your vehicle is—and if you have more than one—you may want to do more.” He has an interesting take on all these expenses. Give the post a read and see if you agree.

5.  Avoid Student Debt: Go to College in High School

I Pick Up PenniesStudent loan debt is now the second highest debt owed by Americans — totaling almost $1.5 trillion. While Abigail believes taking advantage of community colleges help with alleviating costs, she’d “take it one step further: dual enrollment.”

That’s when a high school student takes college courses either at the local community college or in their high school. In some areas the classes aren’t free, but they’re usually more reasonable than regular college courses. If you’re interested in investigating this option, give her post a read.

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Brian Bienkowski

Brian Bienkowski


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

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Article last modified on July 3, 2018 Published by, LLC . Mobile users may also access the AMP Version: This Week Around The Web - AMP.