Author: dyneri

  • How to Build an Emergency Fund and Why It’s Crucial

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    dyneri
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    Life can throw curveballs when you least expect them—car repairs, medical bills, a surprise tax bill. I’ve been there myself, and each time, having an emergency fund made all the difference. For many of us, saving money while balancing everyday responsibilities can feel overwhelming. But building an emergency fund isn’t just a financial goal—it’s a…

  • Loan Options When You Need Cash Fast

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    dyneri
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    We’ve all been there—unexpected expenses pop up, and you’re short on cash. This time, though, you don’t want to ask your familia, especially that one tía who always bails you out. So, what are your options? Depending on how fast you need the money, here are some solutions you can try. Need Cash in 1-2…

  • Surprising Ways Good Credit Can Help You

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    dyneri
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    Growing up, my immigrant parents taught me the importance of only buying what I could afford. Naturally, this meant avoiding credit. However, once I hit my 20s, I realized that in the U.S., credit isn’t just necessary—it’s powerful when managed well. Understanding credit can open doors you may not expect. Let’s explore three ways good…

  • Latinas Climb the Steepest Corporate Ladder

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    dyneri
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    As a Latina, I know how important representation is. During Hispanic Heritage Month, I want to shine a light on a challenge that affects our community: the steep climb Latinas face in corporate America. Despite making up 17% of the workforce, Latinas hold less than 1% of C-suite roles. This gap is more than just…

  • Top 5 Credit Mistakes That Hurt Your Score

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    dyneri
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    Credit can be tricky. It’s easy to feel overwhelmed by all the “rules,” especially when small mistakes can have lasting effects on your score. But here’s the thing: understanding what can hurt your credit score isn’t as complicated as it seems. I’ve learned that avoiding just a few common missteps can make a big difference.…

  • How Good Credit Can Save You Money

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    dyneri
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    We’ve been following a fascinating study from LendingTree that shows how boosting your credit score can significantly impact your financial life. The research found that improving your credit score from fair (580 to 669) to very good (740 to 799) could save you upwards of $22,000 over a lifetime! Yes, you read that right — $22,000!…

  • How Good Credit Can Steer You Toward Your Dream Car

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    dyneri
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    So, you’ve been eyeing that sweet ride, and now you’re ready to make it yours. But before you hit the dealership, there’s one thing you need to know: your credit score is about to become your new best friend (or your biggest obstacle). Let’s break down why credit plays a crucial role in buying or…

  • Tips for Building and Managing Your Credit Score

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    dyneri
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    Your credit score might just be a number, but it holds a lot of power over your financial future. Whether you’re buying a home, getting a new car, or simply securing better interest rates on loans, your credit score can make or break those plans. Even though I didn’t learn about credit until adulthood, understanding…

  • Hispanic Heritage Month: Closing the Wealth Gap

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    dyneri
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    As a fellow Hispanic on this journey, I know how deeply our culture values hard work, resilience, and family. But many of us, myself included, didn’t grow up talking about credit scores, savings, or investing. Hispanic Heritage Month is the perfect time to reflect on more than just our culture. It’s also a time to…

  • Understanding Soft vs Hard Credit Checks

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    dyneri
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    Before I started routinely checking my credit, I believed the myth that checking it would hurt my credit score. This is because I didn’t know the difference between a soft and hard credit check. (We discuss what actually affects your score here). Soft Credit Check A soft credit check, also known as a “soft pull” or…