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November 7, 2025
By
The Admiral Staff
Starting a family is expensive, and it’s easy to accumulate debt. To avoid this, the article suggests five strategies: maximizing Health Savings Account contributions, opening a 529 account for future college expenses, building an emergency fund to cover unexpected costs, setting up automatic payments to avoid late fees, and remembering that children won’t remember extravagant purchases, so prioritize financial security over excessive spending.
September 12, 2025
By
The Admiral Staff
This article provides guidance on improving your credit score, emphasizing the importance of credit utilization. It outlines credit score ranges (from 300-850) and details the factors that influence your score: payment history (35%), credit utilization (30%), length of credit history (15%), new credit (10%), and credit mix (10%). The article stresses keeping your credit utilization ratio below 30% to boost your score, offering strategies to achieve this, such
July 23, 2025
By
The Admiral Staff
Facing high insurance deductibles can feel overwhelming, but there are several options to manage the costs. Consider requesting a payment plan from your provider, utilizing a Health Savings Account (HSA) if available, or exploring deductible loans from credit unions. Local nonprofits and assistance funds can provide grants, while strategically using a 0% APR credit card or selling unused items can offer quick cash. Other possibilities include checking for catastrophic coverage adjustments, deductible waivers, borrowing from a 401(k) (as
June 29, 2025
By
The Admiral Staff
The article highlights 15 subtle habits that can hinder financial progress, particularly for women. These include neglecting a budget, lacking an emergency fund, accumulating too much debt, and delaying investments. Other key points address the importance of negotiating salary, accounting for healthcare costs, having adequate insurance, and prioritizing one’s own financial well-being over constantly supporting others. The piece also emphasizes the need for financial literacy, avoiding get-rich-quick schemes, tracking small purchases, monitoring credit scores, and starting
May 12, 2025
By
The Admiral Staff
This article highlights several companies offering financial assistance to help people improve their savings and manage debt. Options include: EarnIn (early access to earned wages), Insurify (lower car insurance rates), SoFi (higher savings APY and a welcome bonus), MoneyLion (lower credit card interest rates), Best Money (accessing home equity with a HELOC), CardCritics (cash back credit cards), and National Debt Relief (debt settlement negotiation). The piece emphasizes finding solutions for unexpected expenses, reducing debt
