Budgeting

Everything You Need to Know About Budgeting

Practical tips, guides, and expert insight to help you make smarter money decisions — written by the CreditNinja team.

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What increases your total loan balance

Key Takeaways Most people understand that loans come with interest rates and that you pay that back along with the…

What is a cash loan?

Key Takeaways A cash loan is any loan that makes quick cash available for the borrower. 61% of Americans are…

Can you cancel a credit card application

Key Takeaways You may ask, “Can I cancel a credit card I just applied for?” The truth is that cancellation…

What are the benefits of having a bank account

Access to a bank account can simplify your life and keep your finances protected. But many people choose not to…

How to control spending habits

You can control spending habits by sticking to a spending plan, understanding your impulsive spending triggers, and sticking to a…

Can You Have a 700 Credit Score with Collections?

Key Takeaways It is possible to have a 700 credit score when a default payment goes to collections. That being…

Can I Borrow Money from My Social Security Benefits?

Key Takeaways If you're receiving Social Security benefits, you may wonder, “Can you borrow money from your Social Security?” The…

How to have someone take over your car loan

Key Takeaways Some car owners may be able to have someone else take over their car loan by having their…

Does applying for an apartment hurt your credit?

Key Takeaways Apartment applications may not hurt your credit score too much, but too many within a short period can…

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