LatinxFinancial

I everyone to look around and see what items/products do you have at home that you dont frequently use? Ask yourself whether it was a necessary purchase or not, and of course if it wasn’t then how much money did you spend on it? Now imagine all that money spent from all the items you don’t need being in the bank or in investments generating its own interest back to you.
Before you purchase something always ask yourself first: “IS THIS NECESSARY? WILL I BE FINE WITHOUT IT?” If the answer is YES, then put it away for a rainy day Remember on your . It’s a luxury we should all have whether its small or great sum.

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¿ ́o a todos a mirar a su alrededor y ver qué artículos / productos tiene en casa que no usa con frecuencia? Pregúntese si fue una compra necesaria o no y, por supuesto, si no fue así, ¿cuánto dinero gastó en ella? Ahora imagine todo el dinero gastado de todos los artículos que no necesita que pudo estar en el banco o en inversiones que le generen intereses.
Antes de comprar algo, siempre pregúntese primero: “¿ES NECESARIO? ¿ESTARE BIEN SIN COMPRARLO? Si la respuesta es SÍ, guárdela para un día de lluvia Recuerde en sus . Es un lujo que todos deberíamos tener, ya sea pequeña o una gran suma.
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No hay en confortabilidad.
It’s difficult saving each week but every dollar we save is a dollar amounted to our saving to buy security whether it’s a home or emergency funds for a rainy day.

Es difícil ahorrar cada semana, pero cada dólar que ahorramos es un dólar que equivale a nuestro ahorro para comprar seguridad, ya sea una casa o fondos de emergencia para un día lluvioso.

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Your FICO score ranges from 300-850 points to allow a credit/loan lender to visualize your aptitude in handling debt. Each of the following categories are weighted individually that helps generate how your credit score will be rated. Therefore, to fix our credit score, we could start with the accounts that hold more weight.
1. Payment History (35%): Rates the timeliness of making your monthly payments or if you have missed any payments during the lifetime of the credit. This category will also show if you have ever been sent to collections. It is important to stay on top of due dates and not miss payments.
2. Level of Debt (30%): How many accounts are you currently in debt to and how much does it sum up to? Once FICO considers these factors it will then divide the sum of debt to the amount of credit you have available. This ratio determines how you are handling money.
3. Time of Credit Life (15%): The longer you have open credit the better the score.
4. Types of Credit Used (10%): Monitors the different categories of credit you have, for example
retail or bank credit cards, auto loans, mortgage loans, personal loans, etc. It is important to
have a variety of different types of credit.
5. New Credit Accounts (10%): If you have opened a lot of new credit in a short amount of time
and recently, this will categorize you as a risky debtor thus, reduce your credit score.
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