If you are trying to get better shopping habits, there are few things that can really help: Don’t go shopping without a list. It will help you get what you really need instead of purchasing on a whim. When you find an item you like such as a coat or a purse, ask to putRead more

During the holiday season there are so many sales and specials that it can get seriously confusing. However, not all that shines is in fact gold, and it is why it is always best to double check the deal you are offered. Use your phone to look up your desired purchase to see if youRead more

There is an approach of using credit cards to pay for every day expenses. If you see that you must use credit to pay for your every day needs like gas, rent, and groceries, it means that something is wrong. In order to stay away from financial trouble, try living more within your means soRead more

Not everyone has great self control, and it is often times difficult to avoid making bad decisions. Especially around the holidays, spending more seems like the normal things to do. In order for you not to get in debt and to spend way more than you should, limiting the amount of credit cards in yourRead more

When going on vacation to a place you have never been to before, what’s better than a local guide to show you around? Instead of booking an expensive tour in advance, look online for recommendations for free tours. These tours, often times are ran by students, will be very compelling because there is a tipRead more

Many people think that in order to get the best hotel rates, they must use specific sites that claim to have the greatest deals. However, research shows that most of the time, booking directly with the hotel can bring you the best value. Also, after finding a hotel you like, check to see if theyRead more

It is interesting to think about why so many people prefer using their credit card when going shopping. Research showed that consumers have a harder time parting away with cash, and that they are more likely to complete a purchase if they intend to pay with a credit card. According to studies, credit cards don’t produceRead more

If you don’t own a credit card. it is a good idea to get one and start working on your credit history. Even if you make only a few purchases with it each month, it is good enough, if you pay it the right way. In order to have a good credit score, making aRead more

Shoppers must be careful when applying to multiple credit cards because credit inquiries are 10 percent of your credit score. If you make several of those or apply for a few loans within a short period of time it can really hurt your chances because your credit score will drop. Plan your applications in advance andRead more

There are two really bad things to do if you are trying to have a good credit score: Getting collectors involved in getting a payment from you shows that you creditor didn’t have success with receiving funds from your end. Being late on your payments is a bad idea because thirty-five percent of your creditRead more