StudiogicCredit utilization above thirty percent is not a minor detail. It is the reason your FICO score does not reflect what you think it does.
Amortization means the first years of your mortgage are almost entirely interest. Most people do not know this until they look at a full schedule.
If every dollar is assigned before the month starts, there are no surprise shortfalls. There are only categories that were sized wrong.
A tax refund is not a bonus. It is the IRS returning money you overpaid throughout the year. The excitement around it is a reframing problem.
the 23rd. always the 23rd.
Knowing your credit score and not knowing your net worth is the financial equivalent of knowing your blood pressure but not knowing what you ate for six months.
huh, imagine that.
Your tax refund is not a bonus. It is an interest-free loan you gave the IRS and waited twelve months to get back.
yep, pretty much.
that is not a plan.