5 good reasons to get a credit card

If you’re lucky enough to be in a reasonably healthy financial situation you may wonder why you’d even need to use a credit card. However, even the wealthiest individuals make use of them, so there must be some benefits. Here are a few of our favourite reasons to consider them: Improve your credit score Lenders like to see evidence you’re a responsible borrower and a worthwhile risk before giving you access to credit. While you may not need this immediately, it’s always worth having one eye on the future. For example, a good credit score will boost your chances of […]

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Avoid the Retail Therapy of Shopping

There are some people that use shopping as a therapy. They feel good by going out to buy things. They feel that the items make them feel happy. They may do this for all sorts of reasons. However, hhere are a lot of reasons why this may not be a good idea. These apply if you do not have much money, storage space or time and regret your purchases afterwards. Cost The cost of shopping is probably the main reason why it is not a good idea. There are very few people who can afford to do something like this […]

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Getting out of Debt with Help

I have debt, don’t we all? I assume there are some of my readers out there who have amazing credit and have always done well with budgeting, I am not one of those. I wish I was. I am beginning to be, however, I was not always. When I turned 18 years old credit card companies mailed me credit cards directly in the mail. Just call to activate they said. Literally the cards were ready to be activated in my name, without me ever calling nor applying for them. That doesn’t happen these days it seems, but it did happen […]

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Top five ways to improve your bank balance

If you’re knee-deep in debt it can be easy to bury your head in the sand, but this won’t make your problems go away. The only way to improve your finances is to address the situation head on and implement some money-saving strategies – so what should you be doing? Speak to a financial advisor Whether you want to consolidate credit cards or improve your credit score, it’s a good idea to talk to a professional. Financial advisors are there to help and can provide you with all the latest information regarding pensions, mortgages, loan repayments and much more. Personal […]

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Why Consolidating Debt to Chuck the Ball of Personal Credit Card Debt Completely

Introduction According to a recent survey by Bankrate, credit card debt in America equals the amount that most people have in emergency savings. Numerically this means only 55% of people have savings that exceed their credit card debt. According to the same survey, consumer credit has been falling in recent times, but still there are no positive trends when it comes to saving habits.   With the rise in credit card debt, more people are looking for ways to solve their financial problems. Debt relief can be achieved through several means, but in this article, you will learn why debt […]

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Ever Wonder How To Get Refund from Website Auto Pay Setup?

Anyone who has ever signed up for a website online using PayPal or a credit card has been in this position before at least once; when you want to cancel that auto payment setup that is automatic whenever you sign up for most websites online. That fine print is important to read, I have learned the hard way many years ago to read that fine print, especially if you are putting your PayPal or credit card information into a website.  It can be extremely difficult or confusing to try to opt out of this auto payment structure should you decide […]

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6 Money Saving Tips – You know it makes sense!

So, maybe now you are feeling the financial pinch and need to kick back and look a little more closely at the money issues you are facing? What can you do as a quick fix to help you out of this mess? Try some of these and see if they help towards sorting out some of your financial worries. Cut up your credit cards. Everyone knows that the simple thing to do is to pull out that money spending card, take your credit cards and put them in the bin, not in your wallet where it’s easy to spend them! […]

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How I Used Debt Consolidation Services to Free Myself of Credit Card Debt

It was the summer of 2000… I had graduated high school, and was excited to continue on working in a fabulous office for who knows how long. My resume had been built up, money was great, and then it happened… Credit cards starting arriving in the mail! I must have received a total of five credit cards without even applying for them. Visa, MasterCard, Fashion Bug, you name it! The card would arrive, and instead of cutting it up, as I would do these days, I used them all. At age 18 I maxed out five credit cards and after […]

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