TessMore Finance Blog

When you’re on a tight budget, trying to be more environmentally conscious can be difficult. The cheapest items tend to be the least eco-friendly, and there’s no denying that adopting a more sustainable lifestyle requires a certain level of financial sacrifice. But no matter what your financial situation is, there are likely more than a few ways you can reduce your carbon footprint without blowing your budget. Let’s look at a few of the best options. Best Budget-Friendly Sustainable Swaps Here are some simple and affordable ways to be more eco-friendly without busting your budget : Reusable towels While buying paper towels isn’t a huge expense, it can be a significant source of environmental waste. Plus, there are plenty of free or low-cost ways to replace paper towels.  If you already have plenty of extra towels, you can cut them up into smaller sizes and use those to wipe down your counters. You can also buy a pack of bar towels or shop rags to use instead. Just wash them with

From TessMore team: TessMore may be compensated if you click on the links to our issuer partners’ offers that appear in this article, including Chase. Our partners do not endorse, review or approve the content. Any links to TessMore Partners were added after the creation of the posting. TessMore Partners had no influence on the creation, direction or focus of this article unless otherwise specifically stated . 2022 is a year when many people are looking to make up for the travel experiences they lost out on during 2020 and 2021. But some would-be travelers are understandably skittish after losing money when their 2020 vacation plans were abruptly canceled and are now looking for more travel protection options. If that sounds like a familiar situation, then you might be looking to proceed a little more cautiously this time around. Here are some ways to protect your finances against cancelation costs and other unforeseen vacation expenses . Understand the Cancelation Policies When my

Having a good credit score will prove to be beneficial many times in life as it opens up the door to a world of opportunities, not to mention lower interest rates. But you’re not just born with a high credit score . You have to build it. But how do you build credit? Building credit isn’t nearly as complicated as you may think. For example, you start to build credit as soon as you open a credit card in your own name and start making purchases. Opening up a credit card is one way to build credit, but there are a couple of other ways, which we’ll be discussing in this chapter. So far in our credit building series, we’ve discussed some of the basics of credit, like why you need a credit score , the ranges of credit scores, what the average credit score is, the factors that impact your credit score , and more. If you need a refresher before moving on in the series, you should go back and read through the previous chapters. In this chapter, we’ll be going over how to build credit. Con

Your credit score is incredibly important. In fact, this number is so influential on various financial aspects of life that it can determine your eligibility to be approved for credit cards, car loans, home mortgages , apartment rentals, and even certain jobs. Knowing what your credit score is, and what range it falls under, is important so you can decide what loans you can apply for, and if necessary, if steps need to be taken to improve your score. In our credit score series, we’ve gone over the above as well as what factors affect your credit score and what your starting credit score is–so you can go back to previous chapters if you need to brush up on your knowledge. But in this chapter, we’ll be discussing what is considered a good credit score. Keep reading to get answers to “what is a good credit score?” and “how can your credit score benefit you?”. Or, you can use the links below to navigate through the post. What is a Good Credit Score? The Credit Score Range Scale U

Your credit score can heavily influence your financial life. You need a good credit score to buy a car , get a good down payment on a house, and qualify for a loan. A high credit score gives you access to more favorable loans and more credit products at lower rates. And a low credit score means you’ll be subject to higher interest rates and you’ll have a harder time getting approved for loans. But what are the credit score ranges? In Chapter 4 of our credit score series, we’ll be answering questions like “what is the credit score scale?” and “what are the credit score ranges and what do they mean?” It’s important to be aware of the credit score ranges so you can figure out where you land. Continue reading to learn more about the credit score scale and why it’s important. You can also use the links below to quickly navigate the post. Overview of Credit Score Basics What Is a Credit Score Range? What Are the Levels of Credit Scores? What Factors Affect Your Credit Score? What Ar

So far in our credit score series, we’ve gone over a lot of the basics of credit scores, like what your credit score means , what a normal credit score is , and factors that can affect your credit score. At this point in the series, you should have a better understanding of why a high credit score is important and how you can boost your credit score , but you may be wondering: What credit score do you start with? The world of credit can be intimidating and confusing when you’re first starting out. If you’re just starting to build credit, you may be wondering what the scores mean, how they’re calculated, and what’s good and what’s bad. Do we all start with bad scores, perfect scores, or no score at all? And if you need a good credit score to apply for credit, how do you ever get started? Read on to get an in-depth answer to “what credit score do you start with?” and how to build good credit from the get go. When is My First Credit Score Created? What’s Considered a Good Credit Scor

Credit scores evaluate the likelihood that you’ll repay a loan. They help lenders determine loan qualification, credit limits, and interest rates. A credit score can be a mystifying number, but it’s an important number. Generally, you need a credit score of 600 to even qualify for a loan. Loans aside, you may need a good credit score to lease an apartment, amongst other things. You’ll also need to use a credit reference to be able to borrow money for a loan. A credit reference provides an overview of your credit history background and creditworthiness. There are a few different types of credit scores that you can have, but the two most common credit models that are used to determine credit are VantageScore and FICO. It’s important to be aware of the typical score so that you can see how your credit score compares . The average credit score is around 675, but this differs by age and state. So– how is a credit score calculated and what affects your credit score? A variety of fac