credit cards
Receive More Cash Back Without Overspending
Cash back is one of the best benefits offered by your plastic, but if you spend more just to obtain additional rewards, you could find yourself deep in credit card debt. Fortunately, there are strategies you can use to get the most out of your card without extra spending. Strategy No. 1 – Charge all […]
Five Expenses To Reduce In Retirement
What You Need To Do When Canceling A Credit Card
After paying down credit card debt that has been a nuisance for quite some time, it may be tempting to cancel the card, so you don’t find yourself in trouble again. However, completing this process the wrong way can lead to your credit score falling, so be sure you know what you are doing. Only […]
Save Money On Back To School Clothes
With the new school year just weeks away for millions of students, parents across the country may be scrambling to buy their children new outfits for their first day. Many people opt to use their credit cards when shopping during these hectic times, as swiping their plastic gets them in and out of the store […]
Building A Credit Score Without Using Plastic
Many consumers find themselves with a damaged credit score after accumulating a pile of debt on their plastic, which leads them to shy away from these credit cards after they have been paid off. Fortunately, there are numerous ways people can build their credit rating without using their credit cards, such as: No. 1 – […]
Students Have Alternatives To Credit Cards
Reward Cards: What’s right for you?
Research before applying for that new credit card
Credit counseling services can teach borrowers a lot about credit cards and their intricacies. However, many of these details should be learned well before adding plastic to your arsenal of financial options. According to ABC News, one main area of credit cards many borrowers fail to understand before it’s too late is just how much […]
Steps to Achieving a Perfect Credit Score
Are Retail Reward Cards Really Helping you Save?
by April Lewis-Parks Nearly every financial professional will list coupons, discounts and perks as smart strategies for cutting down costs. After all, you wouldn’t pay full-price for a new dress if you could find the same one for half price. The problem is that this line of thinking doesn’t always apply when it comes to […]
In College, Make Sure You Get the Credit You Deserve!
For many young adults college is a time for studying, trying new experiences, and finding out what kind of career they would like to pursue. It is also a good time for them to start their financial and credit profile. Few college students will think about their credit scores while they are in school, however, […]
Are You Relying Too Much on Credit Cards?
Credit cards have several benefits that can help you better yourself. If used responsibly, they allow you to build a solid credit score, get out of a tight financial jam and enjoy spending perks, such as rewards and discounts. But if you fail to abide by the rule of moderation, you could end up with […]
Are your finances on autopilot?
by April Lewis-Parks Most people operate under the mindset, “If it isn’t broke, don’t fix it.” This can be a great way to set a routine that works for you and keep to a schedule that helps you avoid forgetting about responsibilities, but when you apply this mindset to your finances, you may be missing […]
Are We Financial Slaves?
The concept of financial slavery is psychological, but no one is forcing you to be a slave. Many people feel this way because of giving into materialism. We work long days, pay bills to survive, and use credit cards to buy items we can’t afford. The problem begins when we rack up so much debt […]
Three Wealth-Building Strategies to Start Now
Creative Ways to Lower Your Credit Card Bill this Summer
by April Lewis-Parks Being strapped down with credit card bills can create stress and make it more difficult to save money. In addition, heavy balances take away from your ability to use your money in more meaningful ways, such as booking a trip or taking part in a new activity or class. One of the […]
Coming Up With a Debt Management Strategy
by April Lewis-Parks Debt is a burden no matter what your age is, but when you’re in your 20s and 30s, credit card balances, student loans, auto and housing costs can be downright crippling. When you’re just starting out or at a point where you’re trying to amass some kind of savings and investments, any […]
Leave Your Credit Card at Home on St. Patrick’s Day
According to a 2009 survey, about 1 in 5 adults will celebrate on St. Patrick’s Day. No doubt green cocktails and Guinness pints will be flowing but make sure you have a plan to not overspend. A long night of celebrating can wreck havoc not only on your body but on your finances, there’s […]
When should you tap into your emergency savings?
by April Lewis-Parks Saving money for unexpected expenses so important! A rainy day fund can not only keep you covered should your car break down or if you are saddled with a medical expense, but it can also protect you from having to drain your hard-earned savings or max out your credit cards. But having […]