YouNeedABudget VS myFICO

YouNeedABudget Reviews

myFICO Reviews

YouNeedABudget mentions (55)

• Is $250 a month in disposable income livable for a family of 3?

  You'll be going into a tight budget time, so get a really good system in place. If you don't have that you love already, I recommend YNAB (youneedabudget.com). It's envelope based and is really good for planning ahead for irregular expenses and for "rolling with the punches" if something comes up. It works differently than traditional monthly budget, so take time to use all the resources to learn the system. ... Source: 11 months ago

• LPT Request: What is your favorite life hack that has saved you money, time, or made your day-to-day activities easier?

  I also said in a comment below, I use YNAB to track my financial life. This strategy only works if you have enough confidence in your finances to know that if I gave you a card with 100k credit limit, you would never spend more on it than what you have in your bank and has been budgeted for. If not, I cannot overstate how important it is to get your budget in order beforehand. There’s zero money saved if you pay... Source: 11 months ago

• Fund future vacations

  If you aren’t already giving every dollar you make a job, earning more money will only get you so far. Check out YNAB, read all the free content about learning to plan and budget. Source: 12 months ago

• Tracking savings goals

  Track it by hand or in software. I started out with just a spreadsheet, but since then moved my whole budget to YNAB (youneedabudget.com), where you track all your individual savings goals as well as how your money will be used to cover regular (and irregular) expenses. Now the whole plan is in one place, and covers everything from how much is set aside for gardening supplies for this summer to the big... Source: about 1 year ago

• My grandfather passed away and left me 25k. I have next to no savings and I owe money on a couple credit cards and a car. Almost 40, how do I maximize this?

  Aside from all the other advice, get a subscription to YNAB (youneedabudget.com) and start using it religiously. It will help prevent any backsliding and will put you in a much better financial situation going forward. Source: about 1 year ago

myFICO mentions (96)

• APR for Credit Cards - Discover It Card; False Advertising and Lies?

  You appear naiive in every sense of the word. Stop getting your info from your "trusted adult" or reddit for that matter. Get your credit report and scores from the only trusted sources: MyFico or Annual Credit Report. Read the government housing websites, or even go over to the forum community on MyFico, which I personally like. If you follow through, you won't need to ask questions like this. Source: 5 months ago

• Stuck at 741 - Card Recommendation Please

  Yeah, we all have 40+ different credit scores. Your CK scores are "legit" in terms that they're accurate VS3 (VantageScore 3.0) it's just that VS3 is rarely used in lending decisions which makes them nearly irrelevant. Fico scores are used the the majority of lending decisions, with Fico 8 being the most commonly used model today. The Fico 9 you are getting is lesser used than Fico 8 since few lenders adopted... Source: 10 months ago

• What information shows up on a "hard pull" and "soft pull" of a credit report?

  When a company does an inquiry without your requesting it, like for a "pre-qualified" offer for a credit card, that's a soft inquiry and it doesn't show as a hard inquiry on your credit report. You can also check your OWN credit like on myfico.com, and that's a soft inquiry. Background checks are also in this category. Source: 10 months ago

• Have 3 Credit Cards Maxed out. What's my best course of action?

  You should go to myfico.com for credit help. This subreddit is know for some awful advice lol. Source: 10 months ago

• Confusion on Bank of America card recommending service.

  Go sign up for an account on myfico.com or experian.com to see what your actual FICO scores are. You should also pull your credit report from annualcreditreport.com. Source: 11 months ago