The Beginners Guide to Creating a Budget

create a budget

Making a budget is one of the most important parts of establishing financial stability. By outlining your monthly expenses and income, you can have a better idea of when and where you are spending your money. Without a budget, it is easy to turn a blind eye to how your money is being used. Since […]

Will Debt Consolidation Help or Hurt Your Credit?

Hurt your credit

Lowering your total debt through consolidation is one of the best ways to achieve the goal of being debt-free. However, when you are looking to consolidate your debt, it is important to review your options so that you don’t end up hurting your credit rating in the process. Credit ratings can be difficult to raise […]

Understanding Bankruptcy: Secured, Priority, and Unsecured Debt

Unsecured debt

Filing for bankruptcy is a big move that can be potentially life-changing if you don’t prepare accordingly. Having all of the financial documents ready for your case is an important step in successfully filing for bankruptcy if you hope to reduce your debt. You will need to provide information on the type of debt you […]

How Credit Scores Are Calculated

How Credit Scores Are Calculated - Western Shamrock

When you’re applying for a loan, credit card, or mortgage, one of the first things your lender will check is your FICO credit score. This three-digit score is a factor in almost all types of financial considerations. It can mean the difference between a low-interest payment and a payment that’s far beyond your budget or, […]

5 Myths About IRS Audits

IRS Audits

Tax season can trigger all sorts of questions for many small business owners. Words like deductions, gross income, and exemptions can be daunting, but no term strikes as much anxiety as the word “audit.” An IRS Audit is a formal review of a business or individual’s bank accounts, assets, and financial documentation to report profits […]

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