When it comes to credit cards, most of us think of them as a way to get things we really want right now. We may not actually “need” these things, but we sure do want them. Whether it’s a new couch, a new stereo or even a new wardrobe, we use our credit cards faithfully [...]

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• Saving Money with Your Credit Cards pt 2 Continued from part 1... Another type of credit card that you can use to save money is one that offers frequent flyer miles or air fare rewards. Airfare is expensive, and if you fly relatively frequently then you are probably well aware of how expensive it can be to fly.......
• 4 Tips to Getting Bad Debt Under Control If you are swimming in a sea of bad debt, keeping your head above water can be incredibly difficult. Thanks to our consumer culture, the availability of credit cards and a general lack of concern for what debt means, many people find that their bad debt is out of control.......
• How to Negotiate with Credit Card Companies to Reduce Your Debt Today's article is a guest post by Andrew Wang... With consumers facing tough times in the wake of the financial crisis of 2008, it's a good opportunity to discuss the possibility of getting your credit card debt sorted. Most people assume credit card companies care only about the profits they......
• 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......
• 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......

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Budgets are unfortunately quite the necessary evil when it comes to managing your own personal credit crunch. Everyone is going through a credit crunch, even those who have relatively healthy credit. The only practical way to keep yourself financially stable in this volatile market is to get a grip on your spending. By budgeting, you [...]

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• Keeping Track of Cash Flow - Your Household is Your Business You should create a budget to track your spending and get a handle on your finances. You plan out all of your bills, and the amounts look good. The budget is the first step in getting your finances under control. However, the budget is not the only step. There is......
• Planning your Budget One of the greatest ways that you can get a handle on your finances and overcome your debt to build wealth is to build a personal budget. There is no single one size fits all answer to budgeting because everyone has unique needs and circumstances when it comes to generating......
• Money Management and Budgeting are Vital for Avoiding Financial Disasters Anyone who is worried or stressed out about their finances right now has probably had concern over whether or not their budgeting and money management tactics are working. It is important that you learn how to develop good skills for money management in this day and age, otherwise you will......
• Track Your Money with Excel Many people utilize the software program known as Excel to set up their budget as well as to manage it. This is a really easy way for you to get started and it is definitely going to be able to put you on the proper track for creating a financial......
• Free Financial Management Software When it comes to your getting out of debt, having the right software can actually make a real world of difference. Some people tend to manage their efforts at debt reduction with something that is as simple and as straight forward as a computer spreadsheet while other people tend toward......

Continue reading → Personal Finance Credit Crunch

The credit crunch is a hot button issue right now, raising red flags in the eyes of consumers not only all over the United States, but also elsewhere in the world. When the economy in the United States begins to have difficulties, the rest of the world is going to feel the pain as well. [...]

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• 3 Credit Lessons from the Economic Crisis Governments are meant to lead by example, regardless of whether they intend to or not. Sometimes they give us examples of what not to do as well as examples of what to do. Wall Street executives also happen to be unwitting role models to people all over the world. Still,......
• Tips To Survive The Credit Crunch Today's article is written by guest blogger Trisha Wagner. Does the economy have you feeling down?  It takes a boat load of positive attitude to look at the current credit crunch and not feel a bit of apprehension regarding your finances.  So if you find yourself worrying about what the......
• Debt and the Credit Crisis The last recession that our country experienced was, in truth, a mild one. The stock market and many corporate profits began to tank, but consumer spending seemed to dance merrily on through the recession without as much as a scratch. Consumer spending has long been the major engine driving the......
• Avoiding Late Fees 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......
• Saving Money with Your Credit Cards pt 1 When it comes to personal budgeting, we tend to try to think of ways that we can cut corners while cutting down on any frivolous expenses in our lives. What many people are not apparently aware of however is that you can actually make use of credit cards to help......

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