Good credit is important. A bad credit history can prevent you from getting a loan, house or a job. Promises to fix your credit are tempting, but not true.- No one can erase negative information if it’s accurate. Only incorrect information can be removed. Accurate information stays on your record for 7 years from the [...]
Monthly Archives: December 2009
How to Steer Clear of Credit Card Debt: 10 Tips to Stay Debt Free
Charge only what you can afford. If you can’t afford to pay cash, you can’t afford to buy it. Pay your credit card balance in full each month.You’ll never have to worry about making the minimum payment if the account is paid. Avoid balance transfers. If you do transfer a balance to another account, do [...]
12 Money-Saving Gifts for the Giftee
What’s better than saving money on a gift? Giving a gift that saves money, too! Here are 12 gift ideas that will make a lasting impression on the wallets of everyone on your gift list. Membership to a warehouse club Entertainment Coupon Book Movie rental subscription Gift certificate to a family or fast food restaurant [...]
How Not to Pay for the Holidays all Year Long
The Holidays are upon us and gift buying is in full swing. Don’t let the Holiday season drive you further in debt, be smart and conscious on how you spend your gift buying dollars. We have put together a presentation containing smart budgeting tips and strategies. We hope you find value in our slides: How [...]
Top 10 Ways to Enjoy a Very Merry Debt-Free Holiday Season
Slimming your holiday spending can actually make your holidays more enjoyable and stress-free. Here’s how: Create a budget. Get a grip on your finances by determining what you can afford to spend on holiday-related purchases. Set this figure as your overall holiday spending limit and divide this amount among your various holiday expenses – gifts, [...]
