Recession is not the factor responsible for the present problematic conditions. Our irresponsible approach towards our expenses is a key factor. Drawing a monthly salary of ten thousand dollars does not mean that the entire amount should be spent. The best way is to divide your monthly salary into two parts, expenses and savings. In […]
It doesn’t take too much to get bad credit. All it really takes is one bill you didn’t expect. You pay that bill and suddenly you don’t have enough to pay the next bill, and then the next, and so on. After a string of financial trips, all because of that unexpected expense, you can […]
If you are like most people, you are starting to be a little more careful where you spend and trying to save as much as you can in what the media is calling unstable economic times. You may be cutting back on your shopping, canceling vacations and trying to scrimp and save where you can, […]
For people new to the world of credit cards it’s important to understand that, while the can open up a world of possibilities, they can become a ball and chain that can weigh you down for life. Many people use credit cards everyday and take them for granted without truly understanding how they work, and […]
With the holiday season coming up, this may be the time to learn the best ways to use your credit card points for saving money and stretching your points for maximum value. The key factor in determining how much value you can get from your points is the points-to-cash conversion formula. With most rewards points […]
There are few things we do in life that are tracked, reported and scored like that of our credit activities. But then, there are few things in life that we do that can have as far reaching consequences as the way we manage our credit. Your credit score is a key determinant in many aspects […]
If you’re looking for one good reason to use a credit card instead of cash or a debit card, it has to be the Credit Card Purchase Protection. Few among us can say that we have never purchased something that was accidentally damaged or lost which meant we were essentially out of luck. Credit cards […]
It’s a bit of paradox that credit cards can be both your worst enemy and your best friend when it comes to your credit situation. Out-of-control credit card debt was at the root of the ballooning number of bankruptcies over the last several years. Yet, for people seeking to build, or re-build their credit, they […]
