How Can You Increase Your Credit Score?

Institute Editorial Team 04/17/2023

how can you increase your credit score and financial wellness

How can you increase your credit score? Financial wellness has become a critical part of understanding how we can improve our overall wellbeing and it is a question that is weighing heavy on our minds. Since the pandemic, many have lost jobs and experienced a decrease in household income, and as a result, credit scores are taking a hit. For many families, a good credit score is the key to not only borrowing money, but also buying your dream home and starting a family. But what if you have bad credit? Or even fair credit? If you have one of the many credit score monitoring apps out there, you know that credit isn’t just bad or good — there’s a range. The higher your credit…

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Categories: Wellness & Personal Growth

Tags: financial wellness

Institute Editorial Team

woman looking up at sky thinking, showing mental performance

Mental performance and you: 10 things you need to know

Our mental performance, how we think, analyze, and perceive the world, influences how we work, tackle challenges, relate to others, manage stress and more. Where we choose to put our focus has a tremendous impact on how we feel and perform in our day-to-day lives. Julie Jones, Mental Performance Coach and Institute instructor, specializes in helping people boost their mental game, and in teaching them how mental training, positivity and self-awareness can help us do better in our jobs, our personal lives, as leaders, as athletes, and as members of the community. As a former Division I softball coach, Julie specializes in training athletes in mental performance techniques. The same brain strategies that can help a softball player improve her swing can help us all…

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Institute Editorial Team 08/02/2021

woman sitting at desk thinking, stressed, should you return to pre-pandemic job?

Is Your Pre-Pandemic Job Still Right for You?

Is Your Pre-Pandemic Job Still Right for You? The world is slowly returning back to “normal” 一 or as close to normal as things get while continuing to live with the threat of a global pandemic. And this return to “normal” has left many of us wondering: do I want to go back to exactly the way things were pre-pandemic? Here are some things to consider when weighing the pros and cons of staying at your pre-pandemic job. Many are leaving their pre-pandemic jobs As employers call workers back into the office, many people are choosing not to go back to their old jobs at all. Although a record number of open jobs are available in the U.S., hiring has gone way down. And people…

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Gina Messina, Ph.D. 10/18/2021

How to care for yourself while taking care of others

Caregivers, this is for you. Even before the pandemic, more than 16% of the US population was providing unpaid care to an adult 18 years or older, including family members with Alzheimer’s or dementia. Women make up about 75% of those caregivers, and they put in the work while juggling jobs, children, and ongoing domestic-task overload. With COVID back on the rise, caregivers are under additional pressure to care for and protect their loved ones. If you’re a caregiver, the stress may seem relentless, and you may be: having trouble sleeping under/over-eating self-medicating with alcohol or drugs canceling (or not even booking) your own doctors’ appointments That’s because when you’re a caregiver, caring for yourself tends to happen only after everyone else’s needs have been…

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Institute Editorial Team 09/26/2023

Kakeibo: The Art of Financial Mindfulness

By Gina Messina, Ph.D. About a year ago, a friend introduced me to Kakeibo, the Japanese art of budgeting and applying mindfulness to our spending, and I’ve been obsessed ever since. You see, I am a major contributor to our consumeristic culture. I see something shiny and I think I have to have it. A friend jokes that she hates going shopping with me because I have to pick up and touch everything on the shelves (although I’ve eliminated that practice due to COVID!). Like so many of us, I am easily persuaded by marketing tactics. Now that we so rarely spend cash, it feels like I can simply swipe a card, click a button, or use my fingerprint and suddenly I have a new…

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Gina Messina, Ph.D. 01/24/2021

How Much You NEED to Retire Comfortably

Figure out how to calculate the amount you’ll have saved for when you retire and what you need to be comfortable. We all want to retire with a comfortable amount of money, but how much is comfortable for the lifestyle we live? Experts say you should save at least 1 to 2 million dollars in order to live a comfortable life after retirement. But is that amount realistic? You definitely don’t need millions, I can tell you that. By age 65, most people retire with about $164k. That’s a big difference from a million dollars, so is that number too low or is 1 million too high? Well, you have to understand that everyone’s lifestyle varies and people may not spend as much as others or have…

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Institute Editorial Team 09/26/2022

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