Actually, credit cards are not that bad, but it also has to do with you as the user and how you handle your virtually endless spending limit.  If you are able to keep spending under control, you can take advantage of the many pros to using a credit card, of which it could be argued to be used for every purchase.  Using instead of a debit will help avoid your bank account getting depleted during a fraud attack, you can get a bit of a grace period by charging this month and paying back next month, … [Read more...]

While splurging on car accessories for girls might be a fun daytrip to spend some extra money, it may not be a good idea to continue that practice if it means jeopardizing your emergency fund, paying off debt, funding your retirement account, and even more importantly, hurting your credit score which could be costing you hard-earned money each month, let alone what that could add up over the course of months or even years.  If your credit score has not become a priority, that should be your next … [Read more...]

While you could be seeking out class action rebates in order to make extra money to make ends meet, others would pick maybe another job in their space time, or at least sell items around the house, whether that be on online or even donating for tax write-off, when it comes to looking to get extra money around the house, all possibilities should be explored, especially reducing expenses.  While you can cut out going out to eat or even cutting the cable bill, but what about the interest rate on … [Read more...]

One of the fundamental measures of your financial health is your credit score. A higher credit score suggests that you’ve adopted solid money habits, such as paying your bills on time, keeping credit card balances low and and only applying for credit when it’s really necessary. A fair or poor credit score, on the other hand, can paint a very different picture. If you’re ready to change your financial image, starting with your credit, keep reading to learn how to improve your credit score … [Read more...]

We hear so much talk about trying to make fitness a priority to start the new year, some even have the sense to work on finances and reducing spending, but you don’t hear many talk about improving their credit score as the frontrunner of what to work on this year, but that doesn’t mean that you should continue to ignore the score that can get you the best or the worst interest rates on the market, a difference in what could be hundreds of dollars every month.  If you are looking to free up money … [Read more...]