Category Archives: credit

SAVE TIME, SAVE MONEY, GET HAPPY

I found it incredible that in a survey of 28,000 Americans, from the University of Georgia, having an emergency fund is the greatest predictor of financial satisfaction. I wasn’t surprised that having a rainy day fund was important, I’ve been stressing that for eons.

BUYING A HOME? IMPROVE YOUR CREDIT FIRST

When you realize how much money you can save over the mortgage life by improving your credit score, you’ll want to wait to purchase your home until you can qualify for a lower rate.

Do You Know the World of Credit Cards?

You probably have, like most of us, more than one credit card. But did you know that there are many different types of cards? It’s possible that you might not be using the card that’s best for you!

5 WAYS TO AVOID STUDENT LOANS

Pick a cheap school. Not the most fun suggestion, I know, but your selection of college or university is the single biggest factor in the cost of your education and it is under your control. Think about state schools, scholarship offers, financial aid packages and more.

Watch Out for Offers to Insure Your Credit Card Debt

Because of the fact that they deal in unsecured debt, firms issuing credit cards actually tend to be fairly lenient with their customers. A long history of reliable payment can easily get you forgiveness for a few months in case you end up out of a job or in the hospital.

Debit vs Credit – Which is Safer?

UPDATE; Over the next month my family is moving across the country to a new home. Please enjoy a variety of guest articles from top notch bloggers and sponsors. Also, catch up with earlier favorites from Barbara Friedberg Personal Finance.   For a quick overview of Investing Strategies, pick up my FREE eBook; 20 Minute Guide…

AVOID 5 BIG CREDIT CARD MISTAKES

Having a credit card can be the best thing for your financial situation or a recipe for disaster. It is definitely an important financial decision, and if you don’t approach it with some kind of respect, using a credit card can bite you in the worst way. In today’s economy, you have to be very careful how you handle your credit cards, because although it might be easy to get one, it’s equally easy to end up in financial disaster.

HOW TO CAPITALIZE ON THIS ECONOMY

Mortgage rates are lower than they’ve been in several generations. Compound that with the fall of home prices over the past several years and you have the PERFECT TIME TO INVEST IN REAL ESTATE! Mortgage rates have nowhere to go but up.

How to Maintain a High Credit Rating by Tweaking your Spending Habits

A good credit rating is something that you should aim to keep. By being aware of your spending habits and creating a budget, you should be able to manage your credit rating and improve it where needed. A good score can make things much easier and can be a positive aspect for your finances, especially if you come to big purchases like a car or even a mortgage for a house. Having a good credit rating will save you money as you are a lower risk to lenders and therefore will obtain better rates.

The Credit History Paradox and How to Beat it

A paradox is a statement which appears to contradict itself, but actually expresses a possible truth. In personal finance, some people find themselves in what I believe to be a credit paradox whereby they cannot get credit because of their credit history, or lack thereof.

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