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Zach Ball

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Fiscal Tiger
General Finance
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Boise, Idaho, United States
Life stage:
SIK (Single Income, Kids)
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Latest Blog Posts

A credit card balance represents the money that you owe to your credit card company for the credit line that they have opened with you. Every transaction charged to your credit card builds the balance you will end up owing on your monthly bill. One of the biggest questions that new cardholders have is often: what should my credit card balance be? Finding and maintaining the right balance is essential to ...
Posted: Sep 20 2017 @ 6:00 PM
Looking at your monthly bank statement each month might not give you a lot of insight into your actual financial well being. Simply having a steady income does not necessarily make you financially healthy, although it puts you one step closer. Why is it important to strive for financial “health,” and what does financial health even mean? Financially healthy individuals are prepared for any financial situation that comes their way. ...
Posted: Sep 20 2017 @ 12:00 PM
Tons of people are checking your credit. Lenders, credit card companies, banks, even your potential landlord is checking your credit report and looking to see what score you have. It makes sense that many of these companies are checking your credit; they are entrusting you with their money, or counting on you to pay your bills (and if you screw it up, they face a huge loss). By checking your ...
Posted: Sep 19 2017 @ 6:00 PM
We tend to treat major purchases like houses, cars, and degrees as “special” because of the price tag. They are indeed special and can definitely be good investments. But what about the smaller purchases that also have a big impact on your life? They are important too, especially when it comes to your pocketbook. Even though buying things like a new bed, a better toothbrush, a pair of jeans, or ...
Posted: Sep 19 2017 @ 12:00 PM
Being deployed means that you probably won’t have a lot of hands-on control over your credit. Whomever you chose as your power of attorney and left in control of your finances will be tasked with handling most of your financial matters — including taking care of your credit. Building, tracking, and protecting credit are all important aspects to your credit health under normal circumstances. In a deployment setting you’ll have ...
Posted: Sep 18 2017 @ 6:00 PM
Living with your parents is a good idea when you have school, bills, and possibly some student loans to worry about. However, at what point should you consider moving out for the sake of your credit score? Every situation is going to be different. Although, at some point, when you want to start opening lines of credit in your own name, you might have a difficult time if all of ...
Posted: Sep 18 2017 @ 12:00 PM
Your credit score and report are representations of how financially responsible you are. The higher your credit score, the better you handle your money and debts. Having a good credit score can give you flexibility in your finances, but it also can impact most major areas of your life. Many organizations, from banks to landlords, all check a person’s credit before making important decisions. Here are a few of the ...
Posted: Sep 17 2017 @ 12:00 PM
When dealing with credit, it’s actually quite easy to skip over your own credit history without even knowing it. Student loans are often opened in parent’s names, as well as first cars and sometimes even credit cards. It’s also quite common for individuals to use their spouse’s name on loans after marriage. If you fall into either one or both of these categories, it’s possible that you have very little ...
Posted: Sep 16 2017 @ 6:00 PM
It can be strange to suddenly have to take care of those who once took care of you, but eventually, there comes a point when our parents and grandparents will need a little extra help. Usually, this first comes about as a little more help up the stairs, or maybe grabbing grandma’s weekly groceries, and progresses from there. However, helping out with their finances can be especially difficult. Not only ...
Posted: Sep 16 2017 @ 12:00 PM
One of the ways that credit card companies make money is by collecting fees from their cardholders. Although these fees are sometimes a big deal for the average person, the reality is that they represent a drop in the bucket in terms of a credit card company’s overall income. The fact of the matter is that your issuer will probably be just fine if you hardly pay any of your ...
Posted: Sep 15 2017 @ 6:00 PM


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