In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other [...]

• Open Salts Tableware Housewares Kitchenware Collectibles
• New Balance Womens Shoes
• Military Payment Paper Money US Coins Paper Money
• Credit, Charge Cards Trading Cards Collectibles

• The Truth about Credit Cards and Debt pt 2 This is part two to a series on credit cards and where our country is heading when it comes to credit card debt. In the previous post in this series we talked about some of the statistics in the credit industry and how to interpret them to get an idea......
• Ruin Your Credit Fast, pt1 Granted, there are a wide variety of different ways that you can ruin your credit over time, but do you want to know what the quickest and most dangerous ways are? Here are five ways that you can quickly and effectively destroy your credit. 1 - Break your budget. Sure......
• How to Undo The Results of Financial Trauma Whether you’ve lost your home or your job, or your money management skills over the years have left you severely in the hole, it is never to early to start turning things around. You can bounce back from financial trauma, but it will take some effort and dedication on your......
• What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it......
• Ruin Your Credit Fast, pt 2 Granted, there are a wide variety of different ways that you can ruin your credit over time, but do you want to know what the quickest and most dangerous ways are? Here are five ways that you can quickly and effectively destroy your credit. Continued from Part 1 By taking......

Continue reading → Restore Your FICO Score – Part Three

Most people do not put enough thought into how much their credit cards are really costing them. Sure, you may think that you are aware of all of the costs associated with credit, but there are also a number of fees and charges that can go completely unnoticed among consumers until it is far too [...]

• Credit, Charge Cards Trading Cards Collectibles
• Tee Times Green Fees Golf
• Military Payment Paper Money US Coins Paper Money

• Get Rid Of Your Credit Card Debts Credit card debt consolidation is a quite effective option of eliminating your credit card debts. Getting into credit card debt is really harmful for your credit score. It is even worse if you let it accumulate. At present, an average American household carries credit card debts of over $8,000 which......
• Consumers Need to Exercise Caution as Credit Card Rates Climb Many consumers are finding that even though they have had the same credit card for years, and have paid the balances off completely every month, their monthly statements are suddenly appearing with a surprise: An interest rate hike by as much as three percentage points. Some consumers are not worried......
• The Truth about Credit Cards and Debt pt 2 This is part two to a series on credit cards and where our country is heading when it comes to credit card debt. In the previous post in this series we talked about some of the statistics in the credit industry and how to interpret them to get an idea......
• TransUnion Reveals National Credit Card Debt on the Rise TransUnion.com, one of the three major credit bureaus, released the results of an analysis study of the trends in credit card lending specifically for the third quarter of 2008, revealing that credit card debt is on the rise. The report is one part of an ongoing series of quarterly consumer......
• Preparing for the Unexpected Financially While many people do not like to talk about the idea of unemployment, being unemployed is a very real concept that can also become very damaging very quickly for anyone who is not adequately prepared. Due to poor planning and the natural process of denial, many people who were unemployed......

Continue reading → What is your Credit Card Costing You?

The absolute last thing that we need right now considering the economy is unnecessary late fees. The average fee that is charged for a late payment by a credit card company is a surprising $39 dollars. But when you are literally living from one paycheck to the next and trying to juggle the due dates [...]

• Card & Game Tables Occasional Tables Living Room Furniture Home Store
• Tee Times Green Fees Golf
• Credit, Charge Cards Trading Cards Collectibles

• The Dos and Donts of Credit Scores Pt 1 A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history,......
• What is your Credit Card Costing You? Most people do not put enough thought into how much their credit cards are really costing them. Sure, you may think that you are aware of all of the costs associated with credit, but there are also a number of fees and charges that can go completely unnoticed among consumers......
• Creating a Budget 2 Now that you know where your money is coming from and where it is going, the next step in this budget creation process is going to be for you to break all of your expenses up into two different categories, separating your fixed expenses from your variable expenses. Fixed Expenses......
• Your Credit Score Affects Your Reputation Reputation is a measure that all of us have. It is the assumption that others have about you and your honesty, punctuality, value of your word, what your values are, and so on. These are habits that everyone has, and these habits apply to the way you handle your money.......
• Learning Basic Money Management Skills Whether economics is your idea of a great way to fight insomnia, or you just didn’t get the benefit of learning about money management early on, it is never to late to learn the basic skills of proper money management. We highly recommend taking a brief course on finance if......

Continue reading → Avoiding Late Fees

Whether you’ve lost your home or your job, or your money management skills over the years have left you severely in the hole, it is never to early to start turning things around. You can bounce back from financial trauma, but it will take some effort and dedication on your part. Here are some tips [...]

• New Balance Womens Shoes
• Postal History Worldwide Stamps
• Credit, Charge Cards Trading Cards Collectibles
• Military Payment Paper Money US Coins Paper Money

• The Dos and Donts of Credit Scores Pt 1 A credit score is a really important indicator on how likely you will be to default on a credit card or a loan. Your credit score is determined by a number of different factors, including your payment history, the amounts of money that you owe, the length of credit history,......
• What You Need to Know Before Going Into Debt Let’s face it, if you want to get ahead in today’s world, you’re going to need to go into debt, at least a little. The key is managing your debt properly and avoiding common traps. Not all debt is bad, even if we have been trained to think that it......
• How to Create Alternative Income If you're currently living paycheck to paycheck, or you would just like to have a little more financial security, the key is creating alternative forms of income. While to many people this means getting a second job, there are actually easier ways that you can start bringing in more money......
• Improve Your Credit Today Having blemished credit is both costly and stressful, but it does not have to be the end. Your situation may seem incredibly hopeless, but bad credit does not last forever. There are many things that can be done to improve your credit score. 1 - Stop using any of your......
• The Meaning of a Credit Score I do not suppose you know what your credit score means do you? Do you really? I think you might want to take another moment to think good and hard on that, because in September of 2004, the Consumer Federation of America reported that of one thousand Americans they surveyed,......

Continue reading → How to Undo The Results of Financial Trauma

There comes a time in everyone’s life where they begin to take a hard look at their finances. If you weren’t born into wealth, you’ve worked hard to get where you are and it can be frustrating if you feel as though you’re only treading water. Every single one of us has the potential to [...]

• Step Stools Kitchen Furniture Home Store

• Is Debt Consolidation the Right Option? If you happen to be struggling with paying your bills, then debt consolidation might be a good solution for you. Debt consolidation is where you combine all of your bills and debt into one, so that you are making one single lowered payment that can be afforded. Consolidating helps you......
• Blogging is Big Business For those that are interested in building up alternative streams of income, blogging has become very popular. We've all heard about monetizing content, adding in advertising and finding sponsors, but there are some folks out there that have taken their efforts to the next level and seen they pay off......
• How to Keep Cash Flow Coming In One of the main problems facing Americans today is a lack of cash flow. As the economy gets worse and gas prices go up, it is getting harder to make ends meet. If you are completely reliant on your paycheck each month, the last few days or weeks of the......
• Review: Nine Steps to Financial Freedom By Suze Orman When it comes to personal finance, there are few experts out there that are as popular as Suze Orman. She has helped thousands of people get their finances under control through her efforts on her radio show and through her books. Her no-nonsense, common sense approach appeals to many and......
• How to Stay Focused With Multiple Streams of Income One of the main problems facing those that have multiple streams of income is managing them. You can start to feel a bit like a juggler and chances are, you may be neglecting areas that could be performing better and making more money. Focusing can be tough, but there are......

Continue reading → Are You Ready to Be a Financial Success?

As the housing crisis worsens and the economy looks increasingly weak, most Americans are facing the reality that their finances are in a bit of a wreck. Chronic overspending, a lack of savings and too much bad debt has left many in a financial condition that they would prefer not to be in. Here are [...]

• Credit, Charge Cards Trading Cards Collectibles

• 3 Reasons Why Paying With Cash Hurts You in the Long Term Many of us have been conditioned to think that living debt free is the only way to be. While there is some truth in this statement, if you’re completely debt free and using only cash, you’re hurting your chances of getting a new home, and you may end up in......
• Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......
• A New Way to Consider Personal Finance Through the past few years, many of us have been conditioned to believe that being in debt is a bad thing. While it certainly may be true that debt is dangerous in the wrong hands, there are actually many ways that debt can be very effective and can actually help......
• Supplementary Solutions for Debt Repayment There are a number of other things that you can do in order to improve your current money situation at the same time as you are working on the debt repayment solutions that we touched on in the previous three articles of this series. While you will be seeing results......
• A Million Bucks By Thirty Review By Alan Corey Everyone loves a true rags to riches tale, and although we’ve had some with the dot com boom, there were few that echoed the stories of immigrants that moved to the big city with a pocket full of pennies and a dream. We were thrilled to read this book and......

Continue reading → Are Your Finances a Wreck?