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Why is budgeting so important for financial success?

Why is budgeting so important for financial success?

Budgeting is a lifelong money management skill that can help you control your spending, save for the unexpected, and build a strong financial foundation. 

Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them.
Apr 8, 2025
6 min read
Allowances are common in the U.S., but it’s important to weigh out the pros and cons before giving your kids an allowance.
Apr 5, 2025
4 min read
A growing number of school districts are adding financial literacy to the high school curriculum with the goal of increasing teen’s financial skills. Do you remember learning about money?
Apr 2, 2025
7 min read
Self-care doesn't have to be expensive. Here are some creative, low-cost strategies to boost your mental well-being.
Apr 1, 2025
6 min read
7 ways to practice self-care on a budget
Your credit score is a big factor in determining your interest rate and whether you qualify for a loan. By better understanding the key factors that make up your credit score, you can feel more in control.
Apr 1, 2025
5 min read
Understanding your credit score
Skipping bill payments, carrying more debt, or applying for a lot of credit at once may cause your credit scores to take a dip.
Mar 30, 2025
6 min read
Why did my credit scores go down?
Shift from scarcity to abundance by focusing on financial growth, saving, and investing. Prioritize long-term goals, celebrate progress, and adopt a mindset of opportunity rather than limitations.
Mar 30, 2025
6 min read
How to shift your money mindset from scarcity to abundance
For centuries, American women have fought for gender pay equality, lobbied for financial autonomy, and more than earned their places of leadership in the economy. Women and their legacy have impacted today’s world and economy in countless ways.
Mar 26, 2025
5 min read
Empowering financial resources and tips for every woman
Giving yourself time to prepare can help you maximize your success when you go from two household incomes to one.
Mar 25, 2025
5 min read
How to shift from two incomes to one income
Setting a wedding budget may not be as difficult or overwhelming as you think. This guide will help you keep it simple. 
Mar 24, 2025
5 min read
How to create your ideal wedding budget
Credit cards are a widely accepted, convenient form of payment, but they come with potential drawbacks like high interest rates and fees when not used responsibly. 
Mar 24, 2025
7 min read
The pros and cons of credit cards
Wondering when to teach kids about money? Here's a helpful guide for every age group, from toddlerhood to early adulthood.
Mar 23, 2025
5 min read
Financial lessons to teach your kids at every age
Keep more of what you earn and earn more on what you save.
Check your rate. It won’t impact your credit score.2
Keep more of what you earn and earn more on what you save. Privacy & Security

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Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, and loan term length.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $17,413 for a term of 36 months, with an interest rate of 12.49% and a 6.00% origination fee of $1,045 for an APR of 16.86%. In this example, the borrower will receive $16,369 and will make 36 monthly payments of $582. Loan amounts range from $1,000 to $60,000 and loan term lengths range from 24 months to 72 months. Some amounts, rates, and term lengths may be unavailable in certain states. 

For Personal Loans, APR ranges from 7.90% to 35.99% and origination fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of  Apr 22, 2025 and are subject to change without notice. 

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.  

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