Save more, spend less! This should be the central theme of everyone's new years resolution. Perhaps I'm being a bit presumptuous and you are already a saver, but I still challenge you to save more. My new years mottos is "financial independence", and I'm working hard to achieve it. Every dollar … Read more about The Easiest Expenses to Cut
Every month I check my budget and I come to the same conclusion, I spend too much. No I dont save, invest, or have much to show for the money spent after the fact. The truth is that my biggest chunk of spending comes in the form of entertainment. There is nothing wrong with spending money to keep … Read more about Some Cheap Ways to Entertain Yourself
The debt that you create, and how you handle that debt, affects your credit score acutely. How you manage your debt also will have an impact on your ability to borrow more money today and in the future and affects your interest rates. The actual amount of debt that you have at any one time is … Read more about How Debt Affects Your Credit Score
Your credit score is one of the most important factors controlling what kinds of credit lines you can get, what type of mortgage rates you will receive and even they interest rates on your credit cards and auto loans. It is for these reasons that having a high credit score is vitally important and … Read more about How to Increase Your Credit Score and Clear Your Credit Report
If you have a lot of unpaid debt and are considering using a credit counseling service there are a lot of things you need to know before you make a decision. There are a lot of credit counseling services out there that are not as good as they make you think they are and can even leave you in worse … Read more about Should you use a Credit Counseling Service to get out of Debt?
If you’ve been struggling with poor credit, you need to think about getting it repaired if you want to leverage getting a loan any time in your future. You never know when your credit report will come back to haunt you. Right now, to get a loan for a home, to open a credit card, or to buy a car, … Read more about The 5 Easiest Ways to Repair Your Credit
Most of us will be using our smart phones for more than calling friends and family this Holiday season. In fact, there are many smart-phone apps that will save you time, energy and money this season while you’re running around shopping and making merry. The next few are some of the best so have a … Read more about The Best Apps for Saving Money on Holiday Shopping
Many ideas that we’ve shared here have been seen or heard before but the suggestions below are a little off the grid. That being said they are still great ways to save energy this winter and help keep your electric and gas bills from ballooning too high. Read on to see some creative ways to … Read more about Creative Energy Saving Tips for the Coming Winter