Most people go to the bank and have a checking and savings account, but they do not know that there is much more that their bank can do for them. Some banks are good about telling customers about banking services they have, and others don’t say much, usually just assuming the average consumer is aware [...]
Your credit report information can mean the difference between a “yes” and a “no” on your next large purchase or on your next charge card. We pretty much know what details are listed on the tell-all expose of our debt history. The basic information includes name, address, telephone number, social security number and your date [...]
Now that I’m getting older, I’ve decided that I really need to start saving some money for retirement. I’m still in my mid-thirties, but I don’t even have as much as a single IRA in my name, so I’m definitely behind in the game. I’ve been reading news articles about how Social Security isn’t likely [...]
Anyone who lives in America and has access to television could not miss knowing about the American Express credit card. I mean nearly every channel has an American express credit card ad, nearly every hour on the hour. And what made the American express credit card advertisements that much more memorable were the tagline, “Don’t [...]
One of the most important things you can set up for yourself as a personal budget. Even if you are married, you want to budget money that is just yours. There should be some money that you have set aside for your personal needs, and it is important that you keep an eye on it. [...]
One thing that most college students intuitively know is that having a credit card is one of the essentials of life. Not necessarily to splurge on things they don’t need but to build a strong credit rating so that when it comes time to make a major purchase, they’ll be in good standing. There are [...]
Saving money does not have to be problematic. You can actually learn to enjoy saving money if you have a playful attitude about it. Prosperity is a state of mind. If the bills are piling up and your income is slipping down, while you are trying to reconcile your checking account, you should also find [...]
If you are in the position where you are considering whether or not to file bankruptcy, you are probably thinking about your future credit options. Bankruptcy should be your last option when you are in debt, as you will find that your credit takes an even bigger hit when you file. However, this does not [...]
Gone are the days when we had to call the bank or wait for our monthly statement to come in the mail so that we could reconcile our checkbooks. A surprise that no one likes to get is an envelope with an overdraft notice enclosed, with that nice little fee (not!) taken from our account, [...]
Are you feeling overwhelmed with the large amount of high-interest debt that you are trying to dig your way out from under? I know just how you feel, because I’ve been there, done that too. Good old Visa can rack up quite a hefty payoff figure if you are not careful, and the finance charges [...]
Let’s face it – we’ve all been in situations in which we desperately need some cash, and fast. Not all of us have parents, relatives or friends that we can go to and ask for a temporary loan or a handout. If you can – you’re among the few and should consider yourself lucky. The [...]
Credit cards first entered my life during my freshman year of college. My first plastic way of paying for things gave me a credit line of $500. The closer that I got to that maximum amount, the more the limit increased. It is now years later and I’m lucky to even have a $500 balance [...]
What can be very frustrating to those who have had credit problems in the past is that there are a lot of things that they can not do because they do not have access to credit cards. They may not be able to get one at all, or they may be offered one with a [...]
OK, take a deep breath and realize that you are not the only person that has dug themselves in the deep hole of not being able to pay all your debts. Now look up. Do you see what is at the top of the hole? It is daylight and a way out of your debt [...]
Before you go about looking for a loan for anything, most commonly a home or a car, you have to know what your credit looks like. A few small glitches might not cost you much, but anything more is going to hurt you when you are given an interest rate. Sometimes, your credit will ensure [...]
