About Nicole
Nicole White is a personal finance writer and money expert who joined other esteemed APRfinder contributors in 2017. She is a Certified Financial Educator that is passionate about helping consumers with their credit and debt. She has regularly written about budgeting, saving money, paying down debt and obtaining credit. Nicole is originally from Pittsburgh but currently lives in Los Angeles with her family.
Recent Posts by Nicole
When you begin managing your finances, you learn pretty quickly that credit is important – but what is it? Credit is the shorthand name for the agreement you enter when you purchase or receive something and then pay for it later. Creditworthiness refers to the likelihood that you’ll pay for those things responsibly over time.
When you decide to take the first step in the long journey of paying off your debt, you’ve got some tough decisions to make. What can you cut from your budget? How can you earn some extra cash? Is this really all worth it? (Spoiler alert: it is) The biggest and toughest question is: How […]
Budgeting has gotten a bad rap. It’s not all about reusing paper towels and stockpiling money under the mattress. It’s definitely not about depriving yourself, as many people believe. Instead, budgeting is all about telling your money where to go so you won’t wonder where it all went. Here’s how to get started.
It can be devastating to have your loan application denied, but it’s not uncommon. While it may be difficult to accept and adjust in the moment, getting turned down for a loan is a situation where you’re able to make lemonade from lemons – if you know what to do next.
Now that you’re familiar with what credit is, how credit reports are created, and where credit scores come from, you might wonder: why do I even need credit? Can’t you just pay cash for everything from now on and forget all this?
When you’re trying to save money it’s important to know that you have many options to choose from. Most of us know about the traditional savings accounts offered by our local bank or credit union, but are there others?
