An emergency fund is a key financial tool. It acts as a safety net against unexpected costs or financial crises. It's a stash of cash ready to help cover sudden
Credit risk is key for lenders when setting interest rates and loan terms. It's the chance of losing money if a borrower can't pay back a loan. Lenders look at
Setting smart financial goals is key to planning your finances well and securing your financial future. By making your goals SMART (Specific, Measurable, Achievable, Relevant, and Time-bound), you can manage