Lynns Blogs
How Much Should You Pay Down Your Credit Cards? Here’s What Actually Makes a Difference
If you’ve ever wondered, “I’ve got some extra money — how much should I pay down on my credit cards to really help my credit score?” you’re not alone.It’s one of the most common questions I hear, and for good reason. How you manage your credit card balances plays a big role in your credit…
Read MoreNavigating Homeownership After Divorce: Finding Stability in a Fresh Start
A New Chapter, One Step at a Time Divorce is one of those life changes that can shake up everything—your routine, your finances, your sense of what’s next. And when buying a home is part of your fresh start, it’s completely normal to feel unsure about where to begin. The good news? You don’t have…
Read MoreCredit Scores 101: What You Need to Know to Boost & Protect Yours
Let’s talk about credit scores—one of the biggest factors in getting approved for a mortgage, car loan, or even a credit card. Yet, they’re also one of the most misunderstood parts of personal finance. I can’t tell you how many times I’ve had someone say, “But my credit score is 800 on [insert online service here]—why is my lender…
Read MoreWho You Work With Matters—More Than You Think!
If Your Trusted Professionals See You as a Transaction, It’s Time to Make a Change Whether it’s purchasing a home, planning your financial future, or making any other important life decision, it’s not just about transaction —it’s about having the right people in your corner. And trust me, who you work with can make or break your…
Read MoreA Game-Changer for Credit Scores: Medical Debt No Longer Holds You Back!
Imagine a world where a trip to the emergency room doesn’t haunt someone’s credit score for years. Where a difficult health battle isn’t followed by an equally difficult financial one. That world just got a little closer to reality. The Consumer Financial Protection Bureau (CFPB) has finalized a rule that will remove medical debt from…
Read MoreHow to Cut Monthly Spending and Pay Off Credit Cards (Without Feeling Miserable!)
Let’s be real—credit card debt is stressful. Seeing those balances creep up while your paycheck seems to disappear faster than you’d like? Yeah, I’ve been there. The good news? You don’t have to live that way forever. With a few smart (and painless) changes, you can free up cash, pay down debt, and actually start…
Read MoreGood Debt vs. Bad Debt: How to Make Borrowing Work for You
Let’s be honest—debt has a bad reputation. The word alone can make people cringe, picturing stacks of bills and endless payments. But what if I told you not all debt is bad? In fact, some types of debt can actually help you build wealth, grow opportunities, and improve your future. The key is knowing the…
Read MoreTiming is Everything: What You Risk by Delaying Your Home Purchase!
When it comes to buying a home, timing is everything. If you’re considering a real estate purchase, understanding the “cost of waiting” can save you money and key opportunities. Why Timing Matters Many potential homebuyers and investors hesitate to make a purchase, hoping for better deals in the future. But this wait-and-see approach can actually…
Read MoreDoes Waiting for Lower Interest Rates Make Sense for Renters?
Are you thinking about whether to rent or buy? It’s perfectly natural to be cautious, especially with so many people holding off and hoping that mortgage rates will drop. It’s a big decision, and I want to share some thoughts on the subject. First off, home prices tend to rise over time. If you wait,…
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