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630 Credit Score: Understanding Your Financial Health

According to FICO, nearly 9% of Americans had scores between 600 and 649 in 2019. If you pay every bill on time and never use more than 30% of the credit limit, you can easily increase your credit score.

September 4, 2022
Richard Samuel

Budget Calendar: Organize Your Finances Effectively

A budget calendar can be used to plan your monthly spending and set reminders for payments.

September 4, 2022
Richard Samuel

Differences Between Savings and Investments | Beem

Want to build a strong financial foundation? Then consider saving and investing your money. A good balance of both will play an important part in building a brighter financial future.

September 4, 2022
Shirlene Grace Isaac

Prepaid Debit Card – Benefits

When you hear prepaid debit card, think of it as a gift card. It allows you to spend any amount of money is stored on the card. When you're low on balance, you can reload the card online or at an ATM.

September 4, 2022
Richard Samuel

Credit score 580: Is it good or bad for you?

Delaying payments and bills can lead to a bad credit score. A score of 580 is considered a bad score. Almost 12.5% of Americans hold credit scores between 500 to 599 on the FICO.

September 2, 2022
Devanshee Dave

Bad Credit and No Credit: What’s the Difference

Both bad credit and no credit have their disadvantages. It is best to have a favorable score and take actions that create a good credit history.

September 2, 2022
Devanshee Dave

Why Is A Budget Important In Day To Day Life

A budget is a comprehensive plan that aligns your spending with your goals, income, and expenses. Some people prefer to do this record keeping manually while others use a spreadsheet or budgeting applications.

September 1, 2022
Devanshee Dave

Get rid of debt with a debt tracker

Unpaid debts can affect your credit score and become a hindrance in the path of acquiring loans or opening accounts. A debt tracker keeps a record of your debt; it can be in the form of a notebook, application, or spreadsheet.

September 1, 2022
Devanshee Dave

How to balance needs and wants in your budget

Giving in to the caprice of buying can drain your emergency funds for extravagant wants. Wants and needs vary per person. For example, for some people a car is necessary but some people can also do it with a two-wheeler.

September 1, 2022
Devanshee Dave

How to Stop Paying Bank Atm Charges

In the United States, the average charge for withdrawing money from an out-of-network ATM is $2.01. If you are in a situation where you have to give cash only then you can look out on your bank or credit union's website for a free ATM.

September 1, 2022
Devanshee Dave

Mastering Debt Freedom: Top 9 Ways to Get Rid of Debt

The term getting rid of debt doesn't mean that you pay back the entire debt fastly, it means that you get rid of the higher interest rate debt and eventually reduce it. If you do not pay back your debt on time, it can diminish or reduce your credit score which will further create hindrances for you for getting more debt.

September 1, 2022
Devanshee Dave

Why you should set up automated bill payments

Most credit unions and banks provide the option of setting up automatic payments, though you must check for the associated charges. Setting automated bill payments helps you in improving your credit score.

August 31, 2022
Devanshee Dave

How Much Money Should I Keep in My Checking Account?

You don’t earn interest on the cash in a checking account and thus there is no need to keep an excessive amount. You should have an amount equal to your one or two months of expenses in addition to a 20% to 30% buffer cash in your checking account.

August 31, 2022
Devanshee Dave

How to Close a Bank Account

The first step to take before closing an account is to open a new bank account. Before closing an account, you will need to inform your bank and update your information for the subscriptions, services, and bills that you usually pay to be canceled and transferred to the new account.

August 31, 2022
Devanshee Dave

How to Avoid ATM Fees : Tips & Tricks

Many times, you have to pay fees on the usage of out-of-network bank ATMs. Such fees can cost you $50 to $60 annually. Choosing a bank as per your needs, such as where usage is higher: international ATMs, domestic ATMs or out-of-network ATMs, can help you benefit in waived fees.

August 31, 2022
Devanshee Dave

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1. Beem's Cash for emergencies or Everdraft™ product is different from cash advance, payday loans, personal loans. Depending on eligibility, Everdraft™ ranges from $5 - $1,000, subject to Beem's qualification terms and policies. Everdraft is part of the product bundle that comes with the Beem's monthly subscription. There are multiple ways to get your funds credited, however when funds are instantly transferred to debit card, a fee of $1-$4 may apply. Most users receive their Instant Transfer within 1-20 minutes. To check the Everdraft™ eligibility, users don't need to have a Beem monthly subscription. Beem doesn't ask for credit score to check the Everdraft™ qualification.

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