"There is a pleasure in the pathless woods, There is a rapture on the lonely shore, There is society, where none intrudes, By the deep Sea, and music in its roarI love not Man the less, but Nature more."Lord Byron
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A Mortgage Refinance with Bad Credit - The Pros and Cons
To many, the term 'bad credit' is the end of the world when it comes to getting financing in the near future. However, it doesn't always have to be like that, you can take the bad credit mortgage refinance option! Mortgage refinance vs. equity finance ...
Get A Credit Card That Works For You
For most of us, hardly a week goes by without getting a credit card offer. If you are thinking of getting a new one, there are several key issues in choosing which is best for you. They all advertise benefits. Which mix of benefits best fits your needs? ...
The Benefits Of Owning A Reward Credit Card
They say that in life, there are just two types of people - vanilla lovers and chocolate addicts. This may be true but do you know that when it comes to credit cards, there are only two primary kinds that you're going to be acquainted with? The rest ...
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Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety.
How to keep your spirits bright and your wallet full during the holiday season and others.
Whether you are celebrating Christmas, Eid, Hanukkah, Kwanzaa or just living life this year, make sure you keep track of your holiday spending to avoid a New Year full of debt.
Create a holiday budget that includes gift buying, decorating and entertaining expenses. Make sure the list is within your budget and stick to it!
Don't blow your balances. Check your debt analysis
Free Calculators online before you start to shop to see how much you can really afford to charge. If your debt reaches more than 50% of your available credit, you could see your Credit Score drop in January.
Keep an eye out for
Identity Theft
Identity Theft during the holidays. Sign up for Credit Alerts that will swiftly notify you if a Grinch has stolen your personal information.
Get creative with your decorations instead of spending a fortune. Paper snowflakes, pop-corn chains and homemade wreaths are just as festive as expensive store-bought decorations.
Shop early. Spacing your purchases over a few paychecks will help you watch your budget and reduce the amount you charge.
Purchase and send gifts that need to be mailed early to avoid expensive one or two-day shipping rates.
Consider sending holiday postcards instead of letters. You can make the cards yourself and save on postage.
Make a point of checking your receipts to avoid any faulty charges. During the frenzy of holiday shopping, you can easily be overcharged for a purchase.
Take advantage of free gift-wrapping services. Every little bit counts!
Visit the ATM before your shopping trip and withdraw the budgeted amount. Paying with cash will keep you on track.
Avoid the "buy now, pay later" philosophy. Before you pull out your credit cards, gently remind yourself, "If I can't afford to pay for it with cash, I really can't afford it."
If you really want to give, but don't have the money, try creating less expensive homemade gifts such as jam, cookies or a creative gift basket.
Low Interest Credit Cards
About the Author
Itna Yeknom is an independent author for core industry related websites and blogs.
Credit 101 - Credit Basics
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Consumers Getting Savvier About Credit ScoresNew York Times (blog)By ANN CARRNS Consumers are getting savvier about credit scores, according to new findings from the nonprofit group Consumer Federation of America. The federation and VantageScore, creator of a score that competes with the FICO score, contracted with ...and more » |
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