What is a Financial Plan?
Many of us have heard of a financial plan before, but few of us have a clear definition of what it is or why it’s essential to have one. When many of us are asked to define what a financial plan is, few of us can describe it as much more than a budget. Financial planning, when done correctly, offers so much more to consumers than a budget. Financial plans are created independently or with the help of a professional.
You can absolutely do credit monitoring on your own, but paying for a service could help you stay on top of it without having to put forth much effort. Freezing your credit would be the best way to prevent shenanigans, and thanks to the FTC, it is now free to do so at all three credit agencies. You may also be able to check with your credit card company to see if it offers any services or discounts to any monitoring services. Unless you plan on using credit sometime soon, the freeze would be the best option. To freeze your credit, you would need to contact the three agencies individuall