There are times when you feel that you are handling money way too freely and spend too much, even if you can currently afford it. If you have goals to save up but you see that you are not meeting them, reducing your credit card limit can help you get back on track. Contact yourRead more

It is important to manage your credit card bills at all times, good and bad. If you see that you re struggling with making payments, contact your lender to see what you can do and how they can help. Ignoring the problem will not make it go away and things can only get worse fromRead more

There is no harm in getting advice, but when it comes from a professional source on a topic as important as your financial life, then why not? There are credit counseling agencies that are here to help you navigate within your financial struggles, and the first step to get out of trouble is asking forRead more

According to Matt Jones, a senior editor at Edmonds website, there is a limit to how much money you can pay using your credit card when buying a car. There are different laws at each state on the subject, and dealers put limitations as well. “Dealer financing can be as low as six months at 0.9 percentRead more

Checking your credit report once a year is something everyone should do, and your are allowed to get a free copy from any of the nationwide consumer credit reporting companies. Contact Equifax®, Experian®, and TransUnion® to get your free yearly report and look to see that all the information there is correct. Some examples of possible errorsRead more

If you are looking for more ways to stay on track with your budget or if you are trying to set up a budget, using only your credit card for all of your purchases can help you with your goals. it is important to mention that if you will be using this method, you mustRead more

Having a strong credit age is important when you need to report your score. Usially a good average age of credit history is considered five years and up. If you just got a credit card for the first time you should know that it takes three to six months from the beginning use of it toRead more

Many shoppers only think about the terms of their loan as they are asking for it. The right thing to do is to plan ahead, to try and get the best possible terms and save as much money as you can. In order to be ready to certain situations in life, it is best toRead more

When it comes to picking a credit card, it is recommended to take a deep and honest look into your spending habits, and think about what you plan to do with your new card. Some things like an interest rate can make a big difference in your finances if you are not paying your billsRead more

It is so much fun to see something you like and to buy it right away, especially if it’s a big ticket item. However, if you need a loan in order to get it, it is probably not the best idea. There are many good reasons to take on a personal loan, such as payingRead more