Living paycheck to paycheck is a problem that the majority of Americans face. However, it is very much possible to break the cycle. Here's how.

Jala Eaton, Esq., Certified Trust and Fiduciary Advisor (CTFA), is the Founder and CEO of On My Own Financial, LLC and J. Eaton Law PC. Learn more about Jala Eaton, her company On My Own Financial, and her advice to other women entrepreneurs.

Raya Reaves is the Founder and Finance Coach of City Girl Savings. Below you can learn more about Raya and her journey to becoming an entrepreneur and the advice she gives to other women entrepreneurs.

To attract new customers, credit card companies frequently advertise generous welcome bonuses. These welcome bonuses can quickly add up to many miles, points, and cash-back offers. Some people try to maximize their rewards by applying for multiple cards simultaneously. This process is known as credit card churning.

Everyone should regularly check their credit report. The difference between a soft inquiry and a hard inquiry can significantly impact your score. Here's what you should know about the difference between both.

The debt-to-income formula, or DTI, helps determine your financial health by comparing your monthly required debt payments to your after-tax take-home pay. A low number means that only a small percentage of your take-home pay goes towards paying debt.

When a bill is sent to a debt collection agency, it can severely impact your financial health. Your credit score will suffer, and the delinquency will stay on your credit report for seven years. Here's what you should know about the collections process.

There are pros and cons to both debit and credit cards. It’s important to understand how to use both cards so that you can have great financial health.

Authorized users and joint cardholders are similar, but some significant differences exist. Therefore, before deciding which option to use, it's best to understand the differences fully.

Credit card companies often operate on a mystery. For example, what happens when you don't use your credit card? It ranges from nothing to catastrophe. Find out more.

Appreciating and depreciating assets both serve an important role in your financial portfolio. Knowing the difference between the two and how to use each one to its greatest effect can maximize their value as you build your wealth.