Tag: financial habits

The Elite Credit Code: Unlocking the Secrets to an 800 Score
October 29, 2025 Off

The Elite Credit Code: Unlocking the Secrets to an 800 Score

By The Admiral Staff

Achieving an 800 credit score, held by just 22% of consumers, unlocks the best lending terms and significant savings. Those with near-perfect credit share nine key habits: consistently paying bills on time, establishing a payment schedule (often frequent payments), keeping credit utilization low (ideally below 10%), avoiding cancellation of old credit cards, using cards regularly, applying for new credit selectively, requesting credit limit increases, utilizing credit freezes to prevent fraud, and avoiding obsessive score

Subtle Money Habits Holding You Back
June 29, 2025 Off

Subtle Money Habits Holding You Back

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

Escaping the Poverty Mindset: 5 Habits Holding You Back
October 31, 2024 Off

Escaping the Poverty Mindset: 5 Habits Holding You Back

By The Admiral Staff

The article discusses how financial habits developed during times of scarcity—a “poverty mentality”—can hinder financial progress even after circumstances improve. It highlights five common habits to break: paying only the minimum on credit cards (suggesting MoneyLion to lower interest rates), automatically overdrafting (urging to decline overdrafts and use Credit Sesame for credit improvement), delaying investing (recommending Robinhood for commission-free investing and free stocks), lacking life insurance (suggesting Bestow for affordable term life policies