Newhorizon’s Podcast

Mastering the 50-30-20 Rule: A Simpler Way to Budget and Take Control of Your Finances

Discover how to manage your money with the simple and effective 50-30-20 budgeting method. Learn to divide your income into needs, wants, and savings to improve financial health, reduce debt, and build long-term wealth. Perfect for beginners and experienced budgeters alike.

How to Use the Cash Envelope System to Create a Budget and Save Money

Discover a simple and effective way to take control of your finances with the Cash Envelope System. This beginner-friendly method helps you stick to a budget, track your spending, and boost your savings using physical cash and envelopes.

What the Closure of the CFPB Means for Credit Repair and Medical Debt

What the Closure of the CFPB Means for Credit Repair and Medical Debt? In this episode, we explore what happens now that the Consumer Financial Protection Bureau (CFPB) is closing. 

How to Use Easy Unsecured Credit Cards to Build Your Credit

Looking to rebuild your credit without upfront deposits? Easy unsecured credit cards might be the solution for you! In this episode, we break down how unsecured credit cards for bad credit work and tips to use them wisely.

Secured Credit Card vs. Unsecured Card for Bad Credit – Which Is Better for You?

Are you exploring credit card options with bad or no credit? In this episode, we break down the difference between secured and unsecured credit cards, focusing on how unsecured credit cards for bad credit can be a game-changer. 

Is a Fraud Alert The Same As A Credit Freeze?

What's the difference between a freeze and an alert? While both options help guard your credit information, understanding the difference between fraud alert and freeze is crucial.

What Is A Co-Signer

Co-signing a loan is a good way to help a friend or relative, but it comes with important responsibilities and potential risks. Whether you're considering co-signing for a loan, apartment, or car, it's important to understand what a co-signer is and how it impacts both the borrower and the co-signer.

How Long Does It Take To Build Credit In 2025

How long does it take to build credit? If you're starting your credit journey or working to improve your score, this episode covers the key factors that impact how long it takes to build credit. Get practical tips on how to improve your credit and avoid common mistakes.

What's the Difference Between a Freeze and an Alert

Ever found yourself wondering, what’s the difference between a credit freeze and a fraud alert? Both are essential tools for protecting your financial health, but knowing when to use each one can make all the difference in keeping your identity safe. 

What are Hard and Soft Credit Inquiries?

Have you ever wondered the difference between a hard and soft inquiry on your credit report? We’ll dive into how each type of inquiry affects your credit score when they occur, and how to manage them effectively.