All Posts By

dividaemdia

dividaemdia

Understanding Your Credit Score and How to Improve It in the USA

Your credit score is a crucial number in your financial life in the United States. It acts like a financial report card, influencing everything from loan approvals and interest rates to renting an apartment...
Read More

Super Wednesday: Brazil’s Central Bank Raises Selic Rate to 14.75% – What It Means for Your Investments and Debts

This “Super Wednesday” (May 7, 2025), the Brazilian financial market turned its attention to the decision of the Monetary Policy Committee (Copom) of the Central Bank of Brazil regarding the Selic rate, our basic...
Read More

How to Get Out of Debt: A Practical Guide to Regaining Financial Control

The Reality of Indebtedness Being in debt is a situation that affects millions of people worldwide. Whether due to an unforeseen event, financial mismanagement, job loss, or predatory interest rates, debts can quickly snowball,...
Read More

The 50/30/20 Rule: The Simple Method to Organize Your Budget

Why Do We Need a Budgeting Method? Organizing personal finances can seem like a complicated task for many people. Between bills to pay, consumer desires, and the need to save for the future, it’s...
Read More

Emergency Fund Calculator: Be Prepared For the Unexpected

Life is full of surprises, and not all of them are good. Job loss, health problems, unexpected car or home repairs – unforeseen events happen. Having a solid emergency fund is crucial to face...
Read More

Debt Payoff Calculator: Snowball vs. Avalanche

Struggling to get out of debt and unsure which strategy works best? Our free calculator compares the two most effective methods for paying off debt: the Snowball Method and the Avalanche Method. Discover which...
Read More

The Importance of Personal Financial Organization: The First Step to Freedom

Why Talk About Money? Talking about money is still taboo for many people. Whether out of shame, lack of knowledge, or simply finding the subject complicated, we often avoid facing the reality of our...
Read More