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Johnathan James

With over 11 years of experience, Johnathan started his writing career as a copywriter. Coming from a finance and management background, he excels in covering financial topics. When he’s not spurning out fintech content, you will find him playing football, basketball and racing.
Johnathan James

How many credit cards should you own?

How many credit cards is the ideal number to have? While there is no hard and fast specification to this, there are pros and cons of having multiple cards. It all boils down to how well you’re able to handle your finances and your credit cards. Use them wisely, and you will be able to build up excellent credit. But even a small mistake can cost your credit score dearly. Besides, the amount of total credit you have impacts your score as well. Read on to find out more.

How many gifts does Santa bring & what should Santa bring?

Christmas is a happy and joyous season for people all around the world. One of the most exciting things about Christmas is opening the gifts that your loved ones have gotten you. Of course, you would get gifts for people you love as well. While this may be the usual trend, there are multiple concerns when it comes to giving presents, especially if you're a secret santa on a budget.

Build a Better Financial Future: Strategies and Tips

The pandemic has shown us the uncertainty of life and the importance of having a solid financial plan. Stepping into the New Year, it is important to start with a plan for your kid's financial future.

7 Ways to Control Your Holiday Spending

It’s easy to go overboard while shopping for holiday gifts. Setting boundaries for your spending can help you stay within your budget and still have a wonderful holiday.

What is interest and how to pick the right rate

Interest is the amount of money that you get every time you lend a sum of money to someone else. It is the amount that the lender gets from the borrower. If you borrow money, you pay interest. If you lend money, you get interest income.

How Does debt consolidation impact your credit score

A good way to reduce your monthly debt payments is to apply for debt consolidation. It helps lower your overall interest rate. But how does it impact your credit score? Any time you apply for a loan, a hard inquiry is made on your credit. This reduces your score a bit. But this should not be much of a problem if you have good financial practices in general.

Negative interest rates: Explained

Every savings account offers you a sum of money in return every year when you deposit money into it. This is based on a pre-decided percentage and it is applied to the balance you maintain in your account. The resulting amount is called interest.

Credit Union vs Bank: Which One Is Good for Savings?

Parking your money in an investment is always a good idea. When you invest money, you earn interest on your deposit. This way, you can use your funds to earn more instead of keeping them with you and not earning anything. Also, most accounts with financial institutions are insured federally. This makes your investment safe even if the institution goes out of business.

All you need to know about wire transfers

Ever been in a situation where you needed to send money to someone and found it difficult to do so? If you had thought of doing a wire transfer, you would have been able to send it right away.

What Is a Money Order: All you need to know

A money order is an alternate option to cash and personal checks, money orders eliminate the risk of your money getting stolen.

Fight inflation on Labor Day with discounts

Labor Day presents you with a great opportunity to make up for having to deal with inflated costs this year. Seasonal products offer the biggest discounts and savings.

Labor Day 2024: Your to-do list for the weekend

Make the most of this Labor Day weekend with a plan of all the activities you want to tick off on your to-do list.

Best Labor Day deals on home, tech and clothes

Labor Day is here and that means there are deals galore. Which ones do you pick? Which ones are worth taking and which ones are worth dropping? Read on to find out.

Cash a Check: A Step-by-Step Guide

Checks are commonly used even today to make payments. So, if someone pays you using a check, how can you encash it without paying a large fee for it? Read on to find out more on how you can do this in simple ways.

How to save money on school supplies in 2022

Sky-rocketing consumer products have put shoppers in a fix, especially parents of kids who are going back to school this year. There are a few options including charity organizations and tax breaks that can help you save money if you’re shopping for school supplies for your kids.
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