tag:blogger.com,1999:blog-22839000070367501422011-11-27T17:17:22.160-08:00Tips for managing your credit cards and credit card debt. Control your credit card debt tips.Sherrynoreply@blogger.comBlogger311100tag:blogger.com,1999:blog-2283900007036750142.post-29620936531044523242010-06-26T22:37:00.001-07:002010-06-26T22:37:26.507-07:00

A Credit Card Scam to Avoid - CBS MoneyWatch.com I just received yet another phone call promising to reduce the interest rate on my credit card. While I'm savvy enough to know this is a scam, I. Publish Date: 06/23/2010 6:00 http://moneywatch.bnet.com/saving-money/blog/family-finance/a-credit-card-scam-to-avoid/2497/

Sherrynoreply@blogger.com1tag:blogger.com,1999:blog-2283900007036750142.post-76929093719467078732010-06-26T22:36:00.001-07:002010-06-26T22:36:47.044-07:00

8 Critical Steps Every Family Should Be Taking to Prepare for the ... Household debt adds considerable risk to a family's finances. It puts you so close to the edge, financially, that it doesn't take much to push you over the cliff. Distance yourself from the edge by getting radical in your approach to ... Publish Date: 06/25/2010 4:00 http://frugaldad.com/2010/06/25/

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-47915468953831715972010-05-16T14:38:00.001-07:002010-06-17T19:18:30.295-07:00

Don’t despair if you find yourself with a less than desirable credit score and credit history. You are human and can make mistakes. It’s natural. The key to this is recognize that your spending habits are out of control, your credit has been damaged, and then vow to never get yourself back in the same situation after you have gotten your credit repaired. First, get your credit report. Get one

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-56424257333895802042010-05-16T14:35:00.000-07:002010-06-17T19:18:41.648-07:00

So you don’t have any credit to speak of, but you have big plans for the future. Maybe you’re a fresh college graduate or a young person eager to buy your first new car. If you have never had to use credit before, first of all BRAVO! Of course, it’s best to pay cash for the things you need so that you don’t have to worry about credit card payments, loan payments, or interest rates. But if

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-1079113136724714012010-05-16T14:30:00.001-07:002010-06-17T19:18:52.543-07:00

You would think that finding out what your credit score is would be easy. In a way it is, but only because I’ve done my research and you won’t have to spend time surfing websites looking for the ever elusive credit number. It would seem logical to have your credit score appear right on your credit report, but that’s just not the way it is. At one time, your credit score was a big secret known

Sherrynoreply@blogger.com1tag:blogger.com,1999:blog-2283900007036750142.post-84881008451406595842010-05-16T14:28:00.001-07:002010-06-17T19:19:03.770-07:00

Back in the 1960’s, a company called Fair Isaac devised a unique system to determine the credit worthiness of people who apply for loans. Through a complicated mathematical computation (too complicated for this author!), they were able to study a person’s credit history and assign them a number that would represent how likely it was that they would be able to repay a loan they were applying for.

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-77502589359762025332010-05-16T14:16:00.000-07:002010-06-17T19:19:47.345-07:00

The very first step you need to take when trying to raise your credit score is to find out what your score is and what it means. Legislation called the FACT Act was passed that allows all Americans to get one free copy of their credit report every year. This report lists all of your debts you’ve had and your payment history on those debts. It will tell you where you owe money, how much you owe,

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-5770639042633909542010-01-02T08:00:00.000-08:002010-06-17T19:19:57.473-07:00

(ARA) - Ever wish you could get more done in a day? Now it's possible - and easy - to pay bills, transfer money, check balances in your bank accounts, even send money to a strapped family member, all with the device most people never leave home without: the mobile phone. New upgrades to mobile phones give multi-tasking parents and busy people the opportunity to take care of routine chores while

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-41238811584626407962010-01-01T08:00:00.000-08:002010-06-17T19:20:09.657-07:00

(ARA) - A rising number of American households - nearly 45 percent - are "at risk" of not having enough money in retirement, according the Center for Retirement Research at Boston College. But some retirees have discovered a surprising source of supplemental retirement income: the cash value of their whole life insurance policies. Many retirees will use the cash value of their whole life

Sherrynoreply@blogger.com1tag:blogger.com,1999:blog-2283900007036750142.post-23190231839112085362009-12-30T08:00:00.000-08:002010-06-17T19:20:20.757-07:00

(ARA) - More Americans are setting money aside in savings accounts these days, due to the financial crisis. And investing Americans have become more conservative, holding onto more cash than they might have in the past. Both trends are good ones and will lead to a stronger economy in the long run. But with low interest rates on short-term CDs, money market funds and savings accounts hovering

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-27431473082641971962009-12-29T18:44:00.001-08:002009-12-29T18:44:16.128-08:00

(ARA) - The bills are coming in, complete with due dates, minimum amounts due and debt dollars adding up. Sure, you had a great time over the holidays, but now it's time to figure out how you can prepare yourself to start the new year off right with your finances. "Consumers are in a financial crisis; they are well beyond treading water; they're drowning in their debt," says Steve Ely,

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-70401068757221870032009-12-29T18:27:00.000-08:002009-12-29T18:28:35.296-08:00

(ARA) - Sticking to a budget is one of the top resolutions Americans make after the holidays, but many people aren't sure how to start effectively managing their household finances. Wise credit card use is a key step toward achieving such a goal. Understanding a few important facts now will help you to avoid surprises and get back on track when holiday bills arrive in the New Year.

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-77978353685236812832009-06-03T11:40:00.000-07:002009-06-03T11:41:37.282-07:00

You might have heard the rumors about credit debt forgiveness, and the odds are very good that if you are over your head in credit card debt, this is a bit of information you are dying to find out more about. After all, why would any kind of creditor actually consider forgiving part of a legally owed debt? Read on and you may be surprised to learn that you, too, qualify for credit debt

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-77832976124123538312009-05-18T14:47:00.000-07:002009-05-18T14:54:27.219-07:00

The number of Americans that have either worsening credit ratings or destroyed ones is sadly skyrocketing, and the bad news is that the state of affairs is unlikely to improve for at least several more months.There is a chink of light at the end of the present economic black hole though, and that ray of light is already causing many people to consider credit repair, and there is some good news

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-47193659760902752952009-05-18T14:42:00.000-07:002009-05-18T14:44:48.906-07:00

Given the current economic hardships, its only natural to be worried about credit ratings, late night collection phone calls and have recurring nightmares about foreclosures. The facts may be staring you right in the face but if you happen to be one of the alleged ostriches hiding its head in the sand, wishing the problem away - well, that's not going to happen anytime soon. Chances are that your

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-28784888330612810602009-05-12T17:58:00.000-07:002009-05-12T17:59:02.032-07:00

(ARA) - A shaky economy and high unemployment are leading some people to put off purchases and look for more ways to spend less.With the Insurance Information Institute estimating a nationwide average of $764 for home insurance and $831 to insure a vehicle each year, you might be tempted to scale back. But you could pay a price later for your penny-pinching today.Deborah Fester of QBE Regional

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-46889673482025907602009-05-12T17:52:00.000-07:002009-05-12T17:54:28.975-07:00

The rising cost of living and dying has made people more reliant on loans and credit that most people have been indebted to someone at some point in their lives. A debt is an obligation that should be paid and accounted for no matter how meager the amount.Being in debt is normal considering that no one has a monopoly of all the money in the world. People will always have the tendency to

Sherrynoreply@blogger.com1tag:blogger.com,1999:blog-2283900007036750142.post-18561268097984422362009-05-12T17:47:00.000-07:002009-05-12T17:51:39.208-07:00

No man is an island. We all need help managing our debt once-in-a-while. We’re not only referring to personal matters. We’re talking about financial matters. We reach a point where we have to buy something out of necessity, but we can’t pay in full just yet. An example of this is a home.Now the time has come for you to repay on what you own. You must have the discipline to plan out how much you

Sherrynoreply@blogger.com3tag:blogger.com,1999:blog-2283900007036750142.post-34758490770612984402009-02-23T12:06:00.000-08:002009-02-23T12:08:19.249-08:00

(ARA) - Facing the most difficult economic conditions in decades, many Americans are sobering up to the fact that they're deeply in debt.For many American households, extraneous spending and poor money management combined with an unforeseen event, such as a job layoff, a health crisis, divorce or a death in the family, has resulted in the perfect cocktail for financial disaster. In fact, a recent

Sherrynoreply@blogger.com1tag:blogger.com,1999:blog-2283900007036750142.post-82571175580521075452009-02-05T09:57:00.000-08:002009-02-05T10:04:27.977-08:00

Your credit score is a three digit number that potentially has six digit impact in your financial life. Lenders often determine whether or not to give you a loan or credit card and at what interest rate based on this number alone. Most lenders use what is known as the FICO score.Your FICO score is a number between 300 and 850. Needless to say, the higher the number the better and easier it is to

Sherrynoreply@blogger.com1tag:blogger.com,1999:blog-2283900007036750142.post-69694491802500123212008-11-07T12:08:00.000-08:002008-11-07T12:10:27.355-08:00

(ARA) – With the economy struggling and many Americans adjusting the way they spend, now is a great time to do some financial planning. But with so many things to consider, sometimes it's hard to know where to start."Organizing your finances doesn't have to be something you dread. Start with a to-do list and work through each step until you’re done. You should feel better knowing what you're

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-16091492808439254542008-11-07T12:06:00.000-08:002008-11-07T12:07:14.255-08:00

(ARA) - For many Americans, the only area where they may have lost weight over the holidays is their wallet. And as their credit card statements begin to arrive with the reminder -- and obligation -- of their holiday spending, consumers should resolve now to lower their debt in the New Year.“Losing weight and losing debt are among the top New Year’s resolutions every year,” says Joseph Montanaro,

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-27213926946624445912008-11-01T18:30:00.000-07:002008-11-01T18:31:41.938-07:00

(ARA) – With the economic crisis hitting everyone in the pocketbook, it’s more important than ever for parents to talk to their children about how to manage money. New Year's -- a prime resolution time for millions of Americans -- is a great time for children and their parents to learn better spending and savings practices together.Forty-six percent of American families hold a credit card

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-41066864215759507422008-06-16T15:54:00.000-07:002008-06-16T15:55:07.454-07:00

(ARA) - Does it seem like it’s getting harder to stretch your paycheck to cover all your bills? With gas prices approaching $4 a gallon and food costs increasing every day, now more than ever it is important to make sure you have control of your finances.Easier said than done. With all the financial advice out there, it is easy to become overwhelmed with where to begin. Step one to getting on the

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-90039302160242710582008-05-15T15:42:00.000-07:002008-05-15T15:43:06.686-07:00

When the harassing creditor phone calls keep coming and the mail is full of past due debt bills, it may feel like you don't know where to turn or what can be done. Threats of lawsuits or seizure of your property (cars or home) can be frightening. When the creditors tell you to start paying NOW or you will lose everything, it may feel like an impossible task especially if you can't find a dime to

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-15372236308118444452008-05-15T15:41:00.001-07:002008-05-15T15:41:24.570-07:00

Getting out of credit card debt takes perseverance and willingness to succeed. So whether or not you are being swallowed by the sink hole of credit card debt or you are just starting out to dig yourself into credit card debt - you have to make some decisions before it's too late.The six tactics listed below will help you get out of credit card debt.1. Stop using your credit cards - Leave your

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-45343525611587645212008-03-18T17:42:00.000-07:002008-03-18T17:44:25.155-07:00

On the front end, an unsecured loan for bad credit holders seems like a pretty good deal. You don't have to put up collateral, so your house or car is not subject to repossession if something happens and you are no longer able to make payments on the loan. In spite of this perk, here are several good reasons to go with a more traditional secured loan, even if you currently have a credit rating

Sherrynoreply@blogger.com3tag:blogger.com,1999:blog-2283900007036750142.post-44571170706182099492008-03-18T17:25:00.000-07:002008-03-18T17:41:29.927-07:00

The Total Money Makeover: A Proven Plan for Financial FitnessDo you simply choose to ignore your credit card bill? Large numbers of people in the UK admit to this alarming habit, but perhaps even more concerning is that these people also live in the false hope that their credit card bill will magically disappear! I cannot believe that people are so unresponsible with their spending and ultimately

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-12999080214030910622008-02-27T12:04:00.000-08:002008-03-03T11:39:14.400-08:00

(ARA) – As you make your New Year’s resolutions, don’t forget to make one that can really impact your life. The one resolution that can influence many areas of your life -- your credit score of course. It’s important to check your credit score to learn where you stand, so when you need a car loan, home loan, or even a student loan, you have the ability to live the life you want without financial

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-9449786921271693282008-02-27T12:02:00.000-08:002008-02-27T12:04:13.536-08:00

(ARA) - The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing

Sherrynoreply@blogger.com0tag:blogger.com,1999:blog-2283900007036750142.post-51581706671308924922008-02-27T11:18:00.000-08:002008-02-27T11:21:09.443-08:00

Hole of Debt or Financial Mountain? How to Avoid Money Management Pitfalls(ARA) – You see them on college campuses and at county fairs, people offering free T-shirts when you sign up for a credit card. You get offers in the mail every day - instant approval for the credit card of your choice. But just because you have access to seemingly unlimited credit does not necessarily mean you should take

Sherrynoreply@blogger.com0