If you have multiple credit cards and have been making the effort to get debt-free by not using those cards, you may be hurting your credit score more than you realize. It is understandable that you want to cut back spending but it makes more sense to re-budget your money and use the credit you [...]
Credit cards are good for one thing – improving your credit score. In order to get good credit, you have to use credit. Credit cards also can serve a purpose when you use them wisely to gain access to the multiple rewards card companies are offering consumers just for regularly using their cards. Unfortunately, credit [...]
Money is a topic that affects all of us – whether you have too little or more than enough, money will affect your entire life. It seems experts recommend we are supposed to do a lot of things with our money. We are to be saving for retirement and the kids’ college education. We are [...]
One of the few positive things to come out of the recession is that it’s forced people to take a long, hard look at their spending habits and keep tighter control over their finances. Most families do have a certain amount of debt, with car, home, and education loans topping the list, but it’s important [...]
Monitoring spending habits by using the envelope-cash method is a smart and easy way to manage your personal finances. According to a survey conducted by the National Retail Federation, one fourth of US shoppers reported they would use cash this November and December. That is a 9% increase from the same time one year ago. [...]
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