Credit

Questions to Ask Yourself Before Swiping Your Credit Card

Millions of Americans are managing credit card debt that was incurred due to circumstances beyond their control. This may include job losses, medical bills, divorce and rising living costs, but some people may be battling the same scenario due to overspending or mismanaging their income. I read today that retail credit cards have reached 175 […]

America Earns a C+ in Credit Scores, What’s Your Grade?

Credit scores can be a symbol of financial success for many, but for others they represent a barrier to achieving their goals. With an average credit score of 680, many Americans have trouble purchasing a home or obtaining new lines of credit. This score is comparable to a C+ in school. At the state level […]

Conflict over joint accounts can end relationships
Can joint accounts damage your personal finances?
Opening joint accounts after marriage can make it easy to manage your money as a couple, but you have to get on the same financial page.
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, […]

Blowing Up Your Budget: Three Top Reasons Your Budget Is Faltering

Today, I decided to write about what I have been hearing from many of our readers… they set a budget, but it just keeps getting blown… You finally decided to take control of your finances to save more money and kick your debt to the curb. You’ve done everything right. You created a budget, tracked […]

3 Steps to Take After a Credit Score Killer

Millions of Americans struggle with bad credit scores – and it seems like there’s nothing they can do. Unforeseen circumstances like a medical emergency or the loss of a job can lead to huge financial hardships. From credit collection accounts to foreclosures and short sales, a consumer’s credit score can be lowered drastically. This will […]

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 […]

Protect Your Credit Report

  Do you regularly monitor your credit report? I strongly advise you to start doing so if you’re not already. There is no worse feeling then seeing a debt that isn’t yours show up on your credit report. And why in the world would you want to be stuck carrying the weight of someone else’s […]

Set Smart Money Goals During Financial Literacy Month

Spring cleaning isn’t just for your house. You can also spend some time spring cleaning your finances. April is Financial Literacy Month, a great chance for you to evaluate your current financial situation and set some new financial goals. Maybe you want to finally pay off your credit card debt, or start saving for your […]

Tax Preparation Infographic

Filing taxes is a big part of your financial picture. Filling on time and correctly can avoid the stress and hassle of an IRS audit while ensuring that you receive any refund due to you! Get helpful information on preparing your 2011 tax return and fun U.S. tax facts. Click here to view the infographic. […]

Owe Uncle Sam Some Money? Don’t Pay With a Credit Card!

by April Lewis-Parks If you owe the IRS money this tax season and don’t have it available, avoid using your credit card or opening a credit card account for this purpose. It’s not a good financial and can lead to a substantial amount of debt. Credit card issuers and even the IRS tout the convenience […]

Take Control of Your Credit

Those little numbers on your credit score reveal big things about you and the state of your finances. People commonly confuse credit scores and credit reports, thinking they’re interchangeable – admittedly I was one of them! I am going to break it down for you, credit scores use the data found on your credit report […]

Celebrate National Consumer Protection Week

  March 4th through 10th is National Consumer Protection Week in the United States.  As a nationwide campaign, federal, state, and local governments come together to encourage consumers to get informed about protecting their finances. Whether its identity theft or financial fraud, the impact scams can have on the safety and security of your financial […]

Do you spend a $1,000 a year on a cup of morning Joe?

  Being shouldered with credit card debt or finding it difficult to make ends meet every month can be a stressful situation, but many people may not be aware of the small changes they can make to their spending and the large results these simple alterations can have on their overall financial condition. If you […]

Tying rewards to Facebook accounts
Citi Allows Cardholders to Tie Rewards to Facebook Accounts
Citi cardholders have a new way of using their credit card rewards. Tying rewards to Facebook accounts opens up a wide range of possibilities.
7 Sagaciousness Super Bowl Saving Tips

An estimated 111 million people will watch the New England Patriots and New York Giants go head-to-head Sunday for the 46th Super Bowl.  Millions of people are planning their Super Bowl parties and on average they will spend between $50 and $100. Let’s face it, feeding a room full of hungry football fanatics doesn’t come […]

2011 Debit Fees Were Shut Down, But What Other Charges Are to Come in 2012? Tips to Prevent Your Bank from Taking Advantage of You

Remember the bad publicity that Bank of America and several other major banking institutions inflicted on themselves in late 2011 when they announced a new $5.00 monthly checking/debit card fee?  Well, after several nationwide protests from angry customers, BOA caved and retracted their monthly debit fee agenda. The reason financial institutions are looking for new […]

What a waste of cash
4 Services that are a Total Waste of Cash
Some financial resources you can't live without, but these four services are a waste of cash that you can lose and do it yourself to save some serious cash.
Economic growth improves, but don’t rush to the mall yet

As the U.S. economy shows signs of recovery, you might feel it’s time to swipe your credit cards again in all your favorite stores, but not so fast… Even though the economy has grown, permanent hiring remains stagnate and the housing market has not improved. The Federal Reserve reports that consumer borrowing in the U.S. […]