Sometimes it seems that most money tips are just aimed at the pros, so below I’ve included several tips that will work for absolutely anyone. Enjoy!
Track What You Buy So You Don’t Overspend
It sounds hard, but really tracking what you spend doesn’t take much time or effort. All you need...
I know that not everyone likes talking on the phone. I get it. It can be a little awkward, especially if you are calling your credit card company to ask for something that you want. This could be anything from lowering the interest rate on your card to having some fees waived. It’s very hard to...
It’s common knowledge that money is one of the primary topics that couples argue about. This is especially true when one of you is a spender and one is a saver.
Now, you might think that having one spender and one saver is actually a recipe for disaster. However, if you question several of your...
These days, we have an unlimited amount of methods to purchase items. We can use credit cards, cash, checks, PayPal, gift cards, and even a variety of phone apps. However, the two most common forms of payment are still cards and cash.
Many people have told me that they spend way more money with their...
retirement (Photo credit: 401(K) 2012)
Planning for your retirement years can be a real challenge. Many people spend a considerable amount of time researching retirement strategies, using various online retirement calculators and trying to determine what age they might actually be able to retire. The...
If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union. In addition, the person you gave the bounced...
Published on Apr 04 2012
// Banking
If you have bad credit, you may find it is difficult to have any of the basic financial services you used to enjoy such as a credit cards and a checking account. However, as more and more people have bad credit and file for bankruptcy, more banks are beginning to offer services to those individuals. ...
There’s been a lot of fuss over credit ratings or credit scores in the past few years. This is largely due to the massive media coverage of payday loans. The press has generally portrayed these loans in a bad light and in so doing has left many people feeling wary about their credit score.
Your credit...
Last week, I wrote about two of five grocery goals/resolutions that will help you save money on your grocery budget in 2012. Of course, these simple tips will also help you eat healthier and possibly even lose weight too. What a great way to start off the year! Here are three more goals to keeping your...
When it comes to charge cards, American Express is often the name we think of most. While American Express does have credit cards, the company is most known for its charge cards. The Platinum Card® from American Express is no exception. This is a charge card that you will have to pay off each month....
People often make the mistake of thinking that credit cards and charge cards are the same thing, when they’re actually quite different. A credit card offers a fixed credit limit, which cannot be exceeded unless the limit is extended, and interest is applied, typically over 44 days until your balance...
One of the biggest debates in the world of personal finance is whether it is preferable to use a credit card or a debit card. Of course, there is no standard answer. As with all issues in personal finance, whether you should use a debit card or a credit card comes down to your own preferences and your...
One of the most important things you can do for your finances is to build good credit. You may not think the credit system is fair, but it is a reality, and that means that you need to be prepared for it. However, what happens if you already have poor credit? What if you have made mistakes, or had an...
One of the things that you are likely to discover is that establishing good credit is one of the basic tenets of successful money management. Credit is the ability to borrow money from others. The term comes from the fact that if you have credit, you have a certain financial reputation. If you have good...
Southwest Airlines Rapid Rewards Credit Card is offered by Chase Bank. It rewards frequent fliers of the Southwest Airlines. Earning rewards and redeeming them is quite easy with this card. What is more, earned credits can be shared with other people of choice. Southwest Airlines Rapid Rewards Credit...
You wouldn’t be the only person who come mid month is finding their bank balance looking a little grim. Sometimes many of us might accidentally overlook a bill, or have an expense to cater for that you didn’t allocate any of your monthly budget for. If this does happen you may find yourself...