Caroline Banton, Freelance Journalist Profile

Articles

Balance Transfer Credit Cards vs Personal Loans

3 weeks ago | sofi.com | Caroline Banton

By Caroline Banton. June 04, 2025 · 9 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Three ways to consolidate and pay off debt are a balance transfer credit card, a personal loan, or a combination of the two. Which option is best depends on the type and amount of debt you have and your ability to pay off that debt over time.
Payday Loan Requirements: Things to Know

1 month ago | sofi.com | Caroline Banton

By Caroline Banton. May 05, 2025 · 6 minute read SoFi does not currently offer all the products and services in this article. Our content covers a variety of financial topics for educational purposes only. Payday loans are also called cash advance loans, deferred deposit loans, post-dated check loans, or check advance loans. They are short-term, high-interest loans.
How to Get Out of $50,000 in Credit Card Debt

1 month ago | sofi.com | Caroline Banton

By Caroline Banton. April 29, 2025 · 8 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Not all debt is bad. In fact, taking out loans and using credit cards responsibly is how most people build credit to access low-interest loans in the future. However, a problem arises if budgeting is poorly managed or finances become tight.
What Is the Monthly Cost of a 700,000 Mortgage?

2 months ago | sofi.com | Caroline Banton

Share By Caroline Banton. January 14, 2025 · 8 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. The monthly amount that you pay on a mortgage for $700,000 covers the principal payment and interest, and your exact payment depends on several variables, including your interest rate.
What Is the Monthly Cost of a 150,000 Mortgage?

2 months ago | sofi.com | Caroline Banton

Share By Caroline Banton. January 14, 2025 · 8 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. The monthly cost of a $150K mortgage will vary depending on the type of loan, the interest rate, and the length of the loan. Mortgage loan terms are typically either 15 years or 30 years.
How Much Does a YouTuber Make a Year?

Feb 18, 2025 | sofi.com | Caroline Banton

By Caroline Banton. February 18, 2025 · 8 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. YouTube is a lucrative platform for both marketers and content creators. YouTube had 2.5 billion unique monthly visitors and 30 billion visits per month in 2024 — more than Amazon, Facebook, Instagram, or Wikipedia — making it an advertiser’s nirvana.
Best Salary Negotiation Tactics and Strategies

Feb 13, 2025 | sofi.com | Caroline Banton

By Caroline Banton. February 13, 2025 · 10 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Salary negotiation is something that everyone should learn. Increasing your income early in your professional life can help set you up for a more lucrative career, stable finances, and comfortable retirement.
What Is the Best Age to Retire for Longevity and Health?

Feb 3, 2025 | sofi.com | Caroline Banton

The best age to retire for longevity is different for everyone. It depends on many factors, such as your finances, your health, and what you want to do in retirement. Some workers may want to continue in their careers for as long as they can. That said, most people would like to retire when they are still healthy and active but financially secure enough to continue an energetic lifestyle. The younger the better, for many of us.
Minimalist Lifestyle Tips

Jan 28, 2025 | sofi.com | Caroline Banton

By Caroline Banton. February 10, 2023 · 6 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. Many of us struggle to keep up with the demands of our daily lives, which can create stress and anxiety. That’s why some choose a minimalist lifestyle: Fewer possessions make for easier management. Minimalists strive to eliminate anything in their life that does not serve their purpose.
Tips for Eating Out at Restaurants While on a Budget

Jan 24, 2025 | sofi.com | Caroline Banton

By Caroline Banton. January 24, 2025 · 7 minute read This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. The cost of eating out, like just about everything else, goes up with inflation, but that doesn’t mean you have to skip it altogether. It can be a fun way to take a night off from cooking, try new foods, and perhaps most importantly, bond with others.