Learn essential strategies for financial planning tailored for LGBTQIA couples, including debt, insurance, retirement, and budgeting tips.

The 50/30/20 budget rule is a method of dividing after-tax income into needs, wants, and savings. This rule plays a significant role in fina

Welcome to the Credlocity blog, dedicated to providing valuable tips and tricks for 2024 to help you secure your financial future. Learn abo

Apple Pay Later is revolutionizing the digital payments landscape, providing users with a flexible and interest-free payment option. This in

Unveiling Racial Discrimination in the US Financial Sector: From Historic Injustices to Reform Efforts. This blog explores the history of ra

Understanding Credit Card Interest Rates and how credit card companies make money: This article provides insights into how credit card compa

Discover the complexities of mortgage rate fluctuations and their far-reaching effects. Explore the influence of the Federal Reserve, implic

The largest credit union in the United States, Navy Federal Credit Union, has recently come under intense scrutiny for alleged racial discri

Protecting Your Financial Future and Empowering Your Community Introduction: In today's rapidly evolving financial landscape, it has...

Budgeting is one of the most important skills you can learn to manage your personal finances. A budget helps you plan your spending and...

The Federal Reserve (Fed) is the central bank of the United States that sets the monetary policy by adjusting the interest rate. The...

If you are a member of the LGBTQIA+ community, you may have experienced or witnessed discrimination in various aspects of your life, such...

The LGBTQIA community has long faced discrimination and injustice in many aspects of life, including housing and credit. Despite the...

Creating a budget that actually works doesn't require complex spreadsheets or tracking every purchase. The 50/30/20 budget rule offers a refreshingly simple approach: divide your after-tax income into 50% for needs, 30% for wants, and 20% for savings and debt repayment. This comprehensive guide from Board Certified Credit Consultant Joeziel Vazquez breaks down exactly how to implement this proven budgeting framework, adapt it to your unique circumstances, and build lasting fi

By Joeziel Vazquez, CEO & Board Certified Credit Consultant (BCCC, CCSC, CCRS) Published: Apr 30, 2023 | Last Updated: Dec 8, 2025 Reading Time: 32 minutes Starting with no credit history feels like being stuck in an impossible situation. Lenders want to see credit history before extending credit, but how do you build history without access to credit? I understand this frustration because I've helped over 79,000 clients navigate this exact challenge over the past 17 years. W

Meta Platforms has paid over $7 billion in privacy violation settlements since 2019, including a record $5 billion FTC penalty, a $1.4 billion Texas biometric privacy settlement, and a $725 million consumer class action. These unprecedented cases reveal critical lessons about digital privacy rights, corporate accountability, and protecting your financial information in the modern era.

States that legalized marijuana have generated over $24.7 billion in tax revenue since 2014, with 2024 alone bringing in a record $4.4 billion. The industry now supports over 440,000 full-time jobs and produces billions in economic activity through real estate development, business creation, and reduced law enforcement costs.

Every April, Financial Literacy Month empowers millions of Americans to take control of their financial futures. Since 2003, this nationwide initiative has highlighted the critical importance of understanding budgeting, credit management, and consumer protection laws. With only 27% of adults demonstrating basic financial literacy in 2025, the need for comprehensive financial education has never been more urgent.

Financial recovery is possible even with bad credit. This comprehensive 2025 guide provides proven strategies for improving your finances regardless of your credit score, combining expert debt management techniques with practical credit improvement methods.