Credit
Credit Utilization Ratio: What It Is and How to Manage It
Learn how credit utilization affects your credit score and pick up practical, easy-to-apply strategies for keeping your balances in a healthy range.
Lena Kowalski
Editor-in-Chief
Lena Kowalski is an editor-in-chief at Top Finance Pro, covering credit and helping readers make well-informed decisions.
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3 articles by Lena Kowalski
Budgeting
How to Build a Budget That Works With Irregular Income
A practical framework for freelancers and gig workers to budget confidently even when paychecks vary month to month.
Budgeting
How to Build a Zero-Based Budget Where Every Dollar Has a Job
A practical, step-by-step guide to building a zero-based budget that assigns every dollar of income to a purpose before the month begins.
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