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PROSPER BLOG

Financial well-being starts here.

Here you’ll find smart, accessible content to help make money matters a little easier.

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PROSPER BLOG

Financial wellbeing starts here.

Here you’ll find smart, accessible content to help make money matters a little easier.

Latest articles

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Debt-to-income ratio: what it is and how to improve it

A debt-to-income (DTI) ratio measures how much of your gross monthly income goes toward required debt payments. Lenders use it to help determine whether you can comfortably afford a new loan, making it an important factor when applying for a mortgage, personal loan, auto loan, or credit card. This guide explains how to calculate your DTI, what counts toward the calculation, what lenders consider a good ratio for different loan types, how the 43% mortgage rule works, and practical strategies you can use to lower your DTI before applying for financing.

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How to Negotiate Your Salary and Ask for a Raise with Confidence

Asking for a higher salary at your current job or when offered a new job can make a big difference in your financial well-being. But don’t let yourself be led by emotion; instead, research market data and leverage new pay transparency laws to justify your value. Also walk in the door with proof of your experience and project outcomes. With the right data and a willingness to negotiate benefits beyond pay, you could end up with a healthy total compensation package that gets better year after year.

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How Long Does It Take to Improve Your Credit Score?

The time it takes to improve your credit score depends on what’s holding it back. If you’re simply paying down high credit card balances, you may see results in as little as 30 to 45 days after your lender reports the new balance. Recovering from missed payments, collections, or bankruptcy, however, can take months or even years.

Here’s a realistic timeline for common credit situations and the steps that can help you improve your score faster.

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How to Save Money as a Wedding Guest

Saving money as a wedding guest helps you enjoy the experience instead of worrying about your budget the entire time. The biggest savings come from financially preparing as soon as you hear about upcoming nuptials and being selective about which events you attend. Also consider alternatives to buying a new outfit for every event and splitting costs like lodging and gifts with friends. It’s never worth going into debt to attend a wedding, so stick to what’s realistic for you. True friends (and family) will understand!

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Prosper Performance Update – June 2026

The Prosper Performance Updates are designed to help our investor community better understand performance trends and provide important insights into the trends we are seeing and the information needed to invest through the Prosper platform.

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