When many hear of the phrase ‘debt consolidation’, it immediately causes eyebrow raises, followed by a slew of questions: Why would I need to do that? How does it benefit me in the end? Where do I even get started?...
A man notices his co-worker drinking a latte. He asks, “How often do you drink lattes?” “Every day,” says the co-worker. “Wow! Every day for 30 years of your professional career!” says the man. “That’s so much money! A latte...
Thinking about your student loans in the weeks after graduation might feel like the ultimate buzz kill. Plus, you figure you still have a 6-month grace period to enjoy post-grad life before that first student loan bill comes due. But...
Does this sound like you? “I brought this money mess on myself. I should have known more about finance and now I’m stuck.” #RealMoneyTalk, we’ve all been there. You’re not alone in how you feel about money, but most of...
After the holidays, we’re all trying to cut back: on calories, spending, and other indulgences that make the holidays (arguably) the best time of the year. You know how juice cleanses shock your system into a total reboot? You can...
Meet your behind-the-scenes credit “influencer”. Did you know that there’s a BIG star of your credit show (often overlooked) that goes up for audition each and every time you apply for a loan or credit card? Yes! It’s your debt-to-income...
It’s your last year of college and you are focused on making sure that you actually graduate and hopefully find a job that will help you pay your student loans and also be able to afford to eat something other...
Who here is guilty of ignoring their finances? *Raises hand* Paying attention to your finances is like going to the gym: you know you’re supposed to do it, but chances are you’re better at finding an excuse than actually following...
Debt-to-Income Ratio Overview Your debt-to-income ratio, or DTI, is your total monthly debt payments divided by your total monthly gross income. DTI ratio is one of the criteria lenders use to determine whether you can realistically pay back a loan....
Of the three key numbers that determine your financial health—verified income, credit score, and debt-to-income ratio—debt-to-income ratio (DTI) is probably the least commonly discussed. What is debt-to-income ratio? It’s a key indicator of whether you’re living within your means, and...
When many hear of the phrase ‘debt consolidation’, it immediately causes eyebrow raises, followed by a slew of questions: Why would I need to do that? How does it benefit me in the end? Where do I even get started?... 
![Debt-to-Income Ratio [Calculating Your DTI]](https://blog.mint.com/wp-content/uploads/2018/08/shutterstock_1719948913.jpg?w=263&h=143&crop=1)
