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Welcome to The Vault - your key to financial education, lifestyle content and savvy money management.

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6 Ways to Boost Your Credit Score

An excellent credit score is the ultimate goal of the financially responsible consumer. Those three magic digits tell a story of accountability, good financial sense, and the ability to spend mindfully. A great credit score also unlocks doors for large, affordable loans, employment opportunities, and more.

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5 Good Reasons to Tap Your Home Equity

A home equity line of credit, or HELOC, is typically a cheap source of credit, with current rates averaging less than 5%. But borrowing against your home equity can be risky. Rates are typically variable, and payments can balloon after the initial interest-only period ends. Less equity also means less cushion if your home value drops, leaving you...

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Debt Consolidation Loan v. Balance Transfer

We're all looking for the least expensive way to pay down high interest credit card debt. There are several options to consider and if you have a decent credit score you'll have even more options available to you. Two of the most popular and effective methods are balance transfer credit cards and debt consolidation loans. Both can help you pay...

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Money Management for Modern Couples

If you've taken the plunge and you're living with your partner or spouse, new living arrangements mean new responsibilities -inevitably including financial ones. While it can be daunting to discuss money, you need to do it to ensure a happy, long relationship.  In light of the fact that a recent study has shown 18-34 year old's are the least adept...

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8 Ways To Financially Succeed as a Couple

If you want to thrive as a couple, tough discussions are necessary. Talks about growing your family, where to live, and how to be intimate can affect your entire relationship. Despite the important of some conversations, there are plenty that never occur. Did you know that a survey found that  44% of couples think personal finance is the most...

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4 Ways to Look for Unclaimed Money

Who would have thought that there could be a possibility that someone might actually owe you money, instead of the opposite? In a day where bills, taxes, and other expenses seem to consume our finances, it's a rare thing to come across "free money", so to speak. However, there are several ways you might be missing out on some unclaimed money -...

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5 Tips on How to Have a Successful Job Interview

Job interviews can be rather unnerving, if we are being completely honest.  We never know exactly what to expect and that can lead to feeling anxious and doubtful about the type of first impression we leave with the interviewer.  However, job interviews can be less stressful if you give it some thoughtful preparation in advance.

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