By planning ahead for large (and even unexpected) expenses in life, you’ll have the money you need no matter what comes up — without resorting to expensive credit cards and personal loans. As a result, you’ll pay a lot less when those things happen, avoid falling into a hole financ...
Also, consolidating your own student loans to lock in low rates is a good move—but, again, don’t merge your loans with your spouse’s. There’s no good reason to add each other’s existing debt to your credit records. It can only hurt your credit scores, and if one of you were...