Selecting a credit card isn’t always easy. There are plenty of cards out there provided by tons of different lenders, so it’s easy to ask yourself “Which credit card is right for me?!” Before you make that decision, it’s important to understand credit cards fall into 2 different buckets - secured and unsecured. Between unsecured and secured credit cards, one has higher approval odds even if you have a low credit score, and the other offers lower interest rates with great reward perks. Can you tell which one offers which? Luckily, you won’t have to guess! Since I’ve had my fair share of experience with credit cards, and I’ll share the key differences between the two and what to prepare for so you can determine which card is right for you.

Having a financial cushion in place to cover expensive purchases and sudden emergencies is what a credit card is great for. But having a credit card or multiple credit cards with a hefty balance or a super-duper high-interest rate on top can be too much to bear.

When you have more than enough funds in your checking account, you stay ahead of any maintenance or overdraft fees.

Hold the phone… Are you coming up on your last car payment or recently made your last one?? Congratulations! I know you're ready to say “I officially own my vehicle!”

In your search for cars and considering auto loans, you may be asking, “What are all the costs included in buying a car? How much should I have saved up before financing? What goes into my monthly car payment?”

If you have a credit card or a line of credit (like a Home Equity Loan), chances are you’ve heard the term “Revolving Credit.” But, what the heck is it?! Revolving credit is a type of loan borrowers can repeatedly use to finance purchases and emergencies if needed. Borrowers must repay the amount they used to finance that purchase but they get to reuse that amount again. Hence the term revolving!

Have you ever received a credit card statement and weren’t quite sure what you were looking at? I get it!

It’s easy to see a credit card as “free money” and spending more than your means. But if you're not careful, you could wind up paying a lot in fees and interest, hurt your credit score, and really hurt your wallet.

Be honest – how many times have you been sitting at work picturing life in retirement? Maybe you’re sitting on a beach, in a cabin in the mountains, traveling to your bucket list destination, or just cuddled up with a good book at home. No matter what your retirement goals are, one question stays the same - how can I save and plan for the lifestyle I want in retirement?