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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

The 50/30/20 Rule: A Beginner’s Guide to Budgeting

Budgeting effectively is an essential skill for managing your financial health. A monthly budget helps you track your income and expenses ov...

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The Basics of Debt Collection and Statute of Limitations

The statute of limitations on debt refers to the period during which a creditor can legally sue you to collect a debt. These time limits var...

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The Costs and Benefits of Cash-Out Refinancing

A cash-out refinance can be a versatile financial tool for homeowners looking to access their home's equity while replacing their existing m...

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The Essentials of Choosing a Credit-Builder Loan

Credit-builder loans are a unique financial tool designed to help individuals establish or improve their credit scores, particularly those w...

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The Key Steps to Building Your Credit History

Building credit can be frustrating due to the paradox of needing credit to get credit. However, if you’ve never had a credit score, you are...

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The Path to Becoming a Certified Financial Planner

A Certified Financial Planner (CFP) is a highly trained financial advisor with expertise in a wide range of financial planning areas. To ear...

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The Surprising Costs of Foreign Transaction Fees on Online Shopping

Foreign transaction fees are a common issue for credit card users, especially when purchasing from international merchants. Many people assu...

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Tracking Expenses Made Easy: A Guide to Financial Clarity

Tracking your monthly expenses is a crucial step toward better financial health. It provides a clear understanding of where your money is go...

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Track Your Debt, Transform Your Future

Debt can often feel overwhelming, especially when you’re unsure of how much you owe or how long it will take to repay. A debt tracker is an...

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