Any information shared on Credit Savvy Diva does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. I am a financial coach, not a financial advisor.  You are advised to discuss your specific requirements with an independent financial adviser.  If you decide to work with me, as a coach, we will work together to come up with a plan that works for you and your situation based on the facts provided to me.  You are responsible for working that plan and getting results.