Have you ever been uncertain about what the point of a credit score is? And how do you improve it? A credit score is a number that represents your creditworthiness. Basically, lenders use it to decide whether or not they want to offer you credit, like in a loan or credit card, and what kind of offer they’ll give you. The better credit score you have, the better deal you get, like a lower interest rate or down payment.

Sometimes it can be really hard to know what to do with your money. Should you invest now, or wait? When should you write up your will? Do you really need that insurance, or will you never use it? These decisions can be difficult enough on their own, but even worse when emotions come into it. So what can we do about them?

Are you saving what you need to for retirement? If you’re younger you may be wondering when you should start saving. If you’ve already started, you could have questions about how you should invest or how much you should be setting aside. We’re here to help!