Articles by Jessica Sain-Baird
How to Negotiate Medical Bills
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Medical costs can catch you off guard and completely devastate your finances. About 16 million Americans have over $1,000 of medical debt, while another three... read more
Basement Financing: How to Pay for Finishing a Basement
May 25, 2023
A finished basement can provide additional living space and may yield a substantial return on investment — over 80%, according to the National Association of... read more
What Credit Score Is Needed for a Personal Loan?
May 25, 2023
Personal loans can be used for just about anything, like consolidating credit cards, financing a home project and paying off medical bills. The minimum credit... read more
What Is a Good Debt-to-Income Ratio?
May 23, 2023
Your debt-to-income (DTI) ratio is how much money you earn versus what you spend. It’s calculated by dividing your monthly debts by your gross monthly... read more
What Is a Debt Management Plan?
May 18, 2023
If you’re struggling to manage debt, it may be time to explore a debt management plan (DMP). A DMP is a tool offered by credit... read more