I was listening to a Joe Budden tape when I heard something that made me heart stop. He said something like, “there are 3 kinds of people: those who saw what happened, those who don’t know what happened, and those that make things happen.”

Getting your credit score from all three credit reporting bureaus can be as easy as 1, 2, 3! You may even be able to get it for free. The government enacted a law (allowing each person to have access to their personal credit report for free once a year.

I am thinking about having my boyfriend move in with me and I have heard about different ways to pay the bills such as separate accounts and joint accounts. What do you think is the best way to approach paying bills?

There are two basic types of retirement accounts: Individual Retirement Account (IRA) and job based accounts termed 401k for private sector jobs and 403b for public sector (non-profit) jobs.

Owning a stock means that you own a little bit of whatever company’s stock you hold. Owning a bond means that you have lent money to whatever company holds the bond.

The most common type of credit scoring system is the FICO score created by the Fair Isaac Corporation. You can get all three credit reports with FICO scores from www.MyFICO.com for $48.

Savings falls into two general categories: short term (in the next five years) and long term (longer than ten years). We will all have emergencies come up, having just $500 available for emergencies may be the difference between paying bills and going into debt.