Managing Credit and Debt Archive

Setting goals for finances for an individual can sometimes be tricky especially if one has no idea on how to set financial goals. But with some effort one will be able to set their own …

How to help make your kids rich. Save your cents and the dollars will look after themselves.Open up a bank account and put two dollars a week of your pocket money into it. Don’t waste …

There are a number of very good reasons why you should only carry one credit card around with you at any one time. They relate to keeping a control of your spending and therefore your …

Using debit cards instead of credit cards is one of the wisest financial moves you can make as it limits you to spending money which you already have, instead of giving you a licence to …

It is certainly possible for an individual to use credit cards in a responsible manner. For example, keeping balances low or paying them off completely in each billing cycle. However, it is unlikely that most …

I like to read real-life stories when it comes to dirty credit card secrets. Theories and hypothetical scenarios are great, but a real life scenario is a sure thing, and that’s what I want when …

Credit used properly is a good thing. Without credit I would not now own my house. If I had waited until I had enough cash in the bank to buy my land and build my …

When you are unemployed, paying off your credit card bills can be the last thing on your mind, particularly as you will probably be on quite a tight budget. But paying off your credit card …

There are many things that a high school student should know about debt. First and foremost is this: Try your hardest not to get into debt too deep, but do not expect to come out …

In the United States, the average household consumer debt is less than $16,000. North of the border in Canada, the average household consumer debt is more than $25,000. With these alarming rates, what can we …

Prepaid debit and credit cards have surged in popularity as more people reduce their dependence on credit cards. Whilst convenient for shopping online or for foreign travel, they are also widely used as an alternative …

Get a loan with bad credit.Don’t you dig that?Whenever the credit rating of a person or business is low,getting a loan is rather difficult.However,their seem to be one way out.And that is a bad credit …

For the first time in years, people are sensing an urgency to pay off debt as fast as possible.  Up to this point, there was a false security about debt.  People had well paying jobs …

Credit card rebates reward your normal spending Credit card rebate programs can be a great way to get rewards just for spending money that you would have spent anyway. The ever increasing variety of reward …

Credit has become a means of getting what you think you want immediately, because society itself encourages us “now, now, me, me” mentality. Credit is too easily obtainable, and it has taken me quite a …

Convenient as they are, credit cards also provide the potential for anyone to get themselves very deep in to what may well become unmanageable debt. Credit card impulse spending can be something which proves too …

Along with owning a home, a major dream for most Americans is to live debt free.  There are both pros and cons of living debt free. Pros of living debt free Many people may think …

Being a member of the military is, in many ways, choosing a career that offers stability and security. There are many wonderful benefits that the Armed Forces offers its soldiers. There are also some insecurities, …

Once your credit reputation is blemished you will find it almost impossible to obtain an unsecured credit card from a reputable lender. In the wake of so many defaults lenders have tightened up their lending …

Despite the introduction of chip and pin systems and other enhanced security features such as microchips and photographs, credit card fraud continues to be a major problem. Fortunately, in recent years, government intervention has required …

You know those places that say you can buy a car with no credit or bad credit? Well, you really can buy a car with no credit or bad credit, but you are going to …

No one wants to be a victim of credit card fraud.  Unfortunately, it does happen.  There are things that both consumers with credit cards as well as companies can do in order to minimize the …

Balance transfer cards are an ideal tool to pay down debt which has built up on credit cards. If you have a number of card debts you can consolidate them together onto one convenient card …

When it comes to money management, there are a few things you should know. When you go out into the financial world, you will see that are many cautionary tales of those who spent too …

Debt. The good. The Bad. And the driving force behind it. BCSAlliance.com claims that 56% of Americans who carry debt, carry the good. So, what is the good? The good debt involves those things you …

Stress and debt cannot be compromised in any way. The two go hand-in-hand and are interconnected in such a way that one affects the other. Chronic debt causes stress, anxiety and even physical and mental health problems …

Identity theft is one of the hardest cases to prove, but there could be ways of going about ways of dealing with it if it has been stolen. There could be items that could be …

Just by owning a credit card you would have increased your credit score. This is before you have used your credit card at all. Owning a credit card gives you a status that you would …

Credit cards can be useful tools if they are handled properly. However, if you don’t know how to use them correctly, then you can quickly get into financial trouble. There are some reasons to stop …

A good credit score means you indeed have a history of good credit. You can use it to rent homes, apply for vehicle loans, sign up for a credit card or two and so on. …