Ashley Eneriz

Los Angeles

Finance Writer at Freelance

Financial Writer at Investopedia

Higher Education Writer at Freelance

Deputy Editor, Personal Finance at ConsumerAffairs

Freelance writer and mom blogger

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Articles

What Will Social Security Look Like When You Retire?

2 months ago | businessandamerica.com | Ashley Eneriz

What will Social Security look like when you retire? Many Americans have lost hope that there will be much left to see. According to recurring Gallup polls regarding Social Security, 43% of those surveyed in 2024 said they worry about the Social Security system a great deal, while 24% said they worry about it a fair amount. Among those not yet retired, 35% still counted on Social Security as their major retirement income source. So what will Social Security realistically look like in the future?
Collection Agency Payment Plans: Everything You Need to Know

Nov 22, 2024 | financebuzz.com | Christy Rakoczy |Ashley Eneriz |Jess Ullrich

If you have debt in collections, you're not alone. In fact, according to 2024 data from the Urban Institute, an estimated 22% of Americans have debt in collections. But while it's very common to owe money to debt collectors, that doesn't make coping with collection efforts any less stressful. The best way to manage a large debt in collections is to have a payment plan and know your rights as the debtor.
3 Ways to Recover From a Blown Budget After the Holidays

Nov 3, 2024 | moneyning.com | Ashley Eneriz

Now that the Christmas and holiday splendor has settled down, I’m sure you’re looking at your bank statements and credit card bills with wide eyes. It’s all too easy to go overboard during the holidays. While a holiday budget would have been ideal, now that the season is over, it’s a bit too late for that. So, what can you do to get yourself back on track financially after the holidays? How can you recover from overspending quickly?
20 Best Restaurant Apps That Give You Free Food | FinanceBuzz

Sep 22, 2024 | financebuzz.com | Ashley Eneriz |Cat Lafuente

Dine smarter, not harder! Discover these 15 restaurant apps that offer free food and enticing rewards for savvy diners.
What Is a 20-Year Mortgage?

Mar 1, 2024 | consumeraffairs.com | Ashley Eneriz

Can you get a 20-year mortgage? A 20-year mortgage, as the name suggests, allows you to pay off your home in 20 years. Depending on your lender, this type of mortgage can have more attractive interest rates than a 30-year mortgage, but expect the monthly payments to be higher since you are repaying the loan in a shorter period. Many lenders will allow this type of mortgage option, but you might need to ask for it when comparing rates.
How Long Does a Mortgage Preapproval Last? (2024)

Mar 1, 2024 | consumeraffairs.com | Ashley Eneriz

What is a mortgage preapproval letter? A mortgage preapproval letter is a document from a lender that indicates how much money it is willing to lend you to buy a home, based on a preliminary review of your credit and financial information. This document typically includes the preapproved loan amount, the loan type and the terms. It tells your real estate agent and a seller that you are a serious buyer who is qualified to purchase the property. However, it is not a final guarantee of a loan.
What Is Private Mortgage Insurance (PMI)?

Jan 26, 2024 | consumeraffairs.com | Ashley Eneriz

How does private mortgage insurance work? Typically, when you think of insurance, you think of something beneficial to you in case of an emergency. However, PMI is not insurance that will protect you. It is enforced by the lender to protect the lender’s investment. Despite the additional cost, PMI allows many individuals to become homeowners before they can afford the traditional 20% down payment.
What Is a Good Faith Estimate?

Jan 26, 2024 | consumeraffairs.com | Ashley Eneriz

What is a Good Faith Estimate in real estate? In real estate, a Good Faith Estimate is a document provided by a lender that outlines the estimated costs associated with a mortgage loan. The purpose of a GFE is to ensure transparency between the lender and the borrower, providing a clear picture of what the borrower can expect to pay. Historically, GFEs were used for all types of mortgages. However, as of Oct.
What Is Credit Monitoring (2023)

Aug 22, 2023 | consumeraffairs.com | Ashley Eneriz

FAQHow do I know if I need a credit monitoring service? You might consider a credit monitoring service if you want real-time alerts about changes to your credit report, particularly if you're concerned about potential identity theft or fraud. How much does credit monitoring cost? The cost of credit monitoring varies depending on the provider and the level of service you choose, ranging from free options to around $10 to $30 per month for more comprehensive plans.
What Is a Letter of Recommendation and How Do You Ask for One?

Aug 20, 2023 | apu.edu | Ashley Eneriz

When it comes to applying to college, it’s easy to get bogged down in the numbers game. Test scores, grade point averages, and class ranks may seem like the most important factors, but they only tell part of your story. What about the qualities that can’t be quantified? That’s where recommendation letters come in. A recommendation letter is like a window to your soul: it provides a glimpse into your character, strengths, and potential.

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