[Guest post today]

Even superheroes have to deal with the mundane parts of everyday life like credit ratings.  Between saving their city or even the world, they need to make sure to pay their bills on time so that they can keep their financial reputation in order.  If they don’t, they may be surprised to find out that they get an “A” in heroism, but a credit rating that makes it hard to even get the easy loans.

In the end, it’s not about how much these superheroes make or how much they spend.  It’s about their debt ratios.  How much debt are they carrying and can credit companies trust them with a loan?  Even if they never need a loan, their credit rating could affect future job opportunities in this day and age.  Good luck to them and us!

superhero infographic

[Infographic shared by Aspire Money]

Editor’s Note: How much people make, and spend, doesn’t determine their credit rating.

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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