Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing Reset, Refocus, Rebuild: A Year-End Credit Refresh The holidays have a way of making everything feel bigger – our calendars, our emotions, even our spending. Between travel, gifts, and everyday life, many people find themselves wrapping up the year with more financial weight than they started with. And while January often gets the glory as the season of fresh starts,...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing Leftovers and Leftover Cash: Repurposing What You Already Have Thanksgiving is famous for leftovers. The turkey becomes sandwiches. The mashed potatoes turn into savory pancakes. The cranberries resurface as yogurt topping or jam. We know how to stretch a holiday meal, finding new ways to enjoy what we already have. But what if we applied the same mindset to our finances? Most of us...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing Understanding Deferred Interest Promotions As the holidays approach, retailers begin promoting attractive financing offers to encourage big-ticket spending – especially on electronics, furniture, and home improvements. One of the most popular options? Deferred interest. It often sounds like a great deal – no interest for six or twelve months – but the fine print...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing Is your credit score in good health?  August is National Wellness Month—a time to check in on your physical, mental, and emotional wellbeing. But there’s one area many people overlook: your financial health, especially your credit score.   Think of your credit score as a wellness report card for your finances. When it’s strong, you’re more likely to qualify for lower interest rates,...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing Store cards – deal or debt trap? It’s soon-to-be holiday shopping season, and that means sales, gift lists, and – if you’re in line at a major retailer, being asked, “Would you like to save 25% by opening a store card today?” Sounds tempting, especially with a full cart. But before you sign up, it’s important to understand how store credit cards work and whether they’re a smart...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing What is a payday loan—and why should you avoid one?  When unexpected expenses arise, it can be tempting to turn to payday loans for quick cash. But while payday loans may seem like an easy solution, they often lead to a cycle of high-interest debt that’s difficult to escape. Understanding how payday loans work, and the risks involved, can help you make better financial decisions and...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing 3 Ways your living arrangements can impact your credit score  Your credit score is affected by more than just your spending habits and bill payments, it can also be influenced by your living arrangements. Whether you live alone, with a partner, or with roommates, it’s important to understand how your housing situation can impact your financial health. Here’s what you need to know. ...

Learn Login to MyFinFit FinFit Learn  | Credit & Borrowing 6 simple mistakes that might be keeping you in debt (and how to fix them)  1. Ignoring your credit report  Your credit score plays a major role in determining the interest rates you pay on loans and credit cards. A lower score can mean higher rates, making it harder to pay off debt. Many people don’t realize how much of an impact their credit report has—or that errors or missed payments can drag...