Credit

5 Simple Steps to Organize Your Finances

Spring is near and that means it’s time to clean up the winter clutter, from sprucing up your house and yard to organizing your personal finances so you can better monitor your monetary world. Sloppiness in any part of your life can lead to confusion, which eventually leads to mistakes being made. Mistakes in your […]

Having a baby can lower you taxes
Top 8 Ways Children Lower Your Taxes
Kids may be expensive, but they can also give you a significant break in your income taxes. Here are 8 ways your kids can lower your taxes when you file.
10 Easy Ways to Start an Emergency Fund

The car breaks down, the furnace in your house blows, your child needs braces and you don’t have the disposable money to cover the financial consequences. It happens every day and many people are stuck paying by credit card or financing for months into the future at alarming interest rates, putting themselves further into debt. […]

Be smart about using your credit cards
7 Expenses You Should Never Put On A Credit Card
Some expenses that fall outside of your regular budget should never be put on a credit card unless you want to wind up with serious high-interest debt.
Personal Stories of Debt; How to Overcome and Thrive

Each year Consolidated Credit holds a short story contest for their clients. The Miss Money Bee writers would like to congratulate the winners and share their inspirational stories with you! Melissa Cupp and Chris Korb are a married couple from Berryton, KS. who’s story begins: Two summers ago, we hit financial rock bottom. Both my husband […]

2011 Income Tax Tips

It’s that time of year again where 1099s and W-2s are being delivered from your boss or arriving in the mail, which means it’s time to get serious about those income tax returns. Before you breakout your accounting skills or go to a mobile app to get your taxes done, we’ve done a little tax […]

How Much are You Saving?

Believe it or not, by saving just a little bit more and choosing the right savings vehicle, you can end up saving big over a period of time. Right now the average personal savings rate is 5.3%. If you’re the average American that makes $49,777 after taxes, then you’re looking approximately $2,638 in yearly savings. […]

Warning on Prepaid Debit Cards

In an effort to reduce their credit card usage and avoid high interest rates, many Americans are turning towards prepaid debit cards. Partially, because they think it will help control their spending, but also because credit card companies are actively pushing consumers with low-income and/or bad credit towards this new, emerging product. On the surface, […]

Don’t be Afraid to Negotiate with Your Creditor

  Millions of Americans are becoming anxious because they realize how important it is to reduce their credit card debt.  Some people who are struggling panic and stop making payments because they’re not sure of what else to do – they need to pay their mortgage, car payment or other payments and the credit card […]

Holiday Shopping Blunders to Avoid

  Did you know that more than 13 million shoppers are still paying off last year’s holiday debts, according to Consumer Reports. If money is tight is year, and really that is the reality for most people, remember that it is fine to cut back on gifts. But if you do plan on holiday shopping, […]

Are you a social shopaholic?
Are You a Social Shopaholic?
If you're always on your social media account and you're getting bombarded by offers from retailers you may be at risk of becoming a social shopaholic.
Shopping Pitfalls to Avoid & Tips to Make the Holidays a Breeze

The start of November whispers “the holiday’s are almost upon us…” while retailers scream “Start Shopping!”  For many stores the holiday season has already begun.  I went into a large chain retailer two weeks before Halloween and they were already decked out for Christmas. Trees were blazing with colored lights, plastic carolers were moving and […]

6 Easy Credit Tips For The Holiday Shopping Season

1. Know Your Credit Limits Don’t get sidetracked by that amazing deal on a 42’ flat screen TV during your holiday shopping.  Why you ask?  When you check out at the register and are declined because you don’t have enough credit left on your card, you may find yourself feeling financially irresponsible and a tad […]

Presto chango credit card tricks
Top Five Fightening Credit Card Tricks that Last Beyond Halloween!
Don't let your creditors fool you into frightening debt problems! Avoid these credit card tricks in order to treat yourself to a better credit outlook.
Protect Yourself from Phishing Scams

Phishing, it sounds harmless but in reality it is a scam operating at a personal level; swindlers send you pop up messages or spam, which seem harmless and trustworthy enough, that ask for personal information – bank account numbers, social security number, passwords and other private information. The messages appear to come from respectable corporations […]

AmEx next for Department of Justice suit
Is the Department of Justice Trying to Save You Money?
The Department of Justice is pursuing a suit against American Express for charging the merchant highest interchange fees in the credit card industry.
Want a good score? Well it is no surprise that paying down credit card debt is key.

A new report shows over the past two years, the amount of Americans with FICO scores at 600 or below, has risen. About 25% of the U.S. adult population has a low credit score and will have to pay high interest rates on any credit that they need; auto loans, mortgages, business loans, and credit […]

Don’t be Afraid to Negotiate with Your Creditor

Millions of Americans are becoming anxious because they now realize how important it is to reduce their credit card debt. Minimum monthly credit card payments total in the hundreds and consumers just don’t earn enough money to meet those financial requirements. Some people panic and stop making payments because they’re not sure of what else […]

45 Minutes to a Better Credit Score

Improving your credit score is not painful; in fact you can do it in less time than it takes to watch a movie.  With that said, it’s also become a sort of phenomenon, there are whole industries built around it. You see ads on TV, hear it on the radio, and read about it online, […]

More People Falling into Business Credit Card Debt Traps

This week, Senator Charles Schumer made headlines again after he asked the Federal Reserve to provide more protection for consumers against business card issuers. The Credit Card Accountability, Responsibility and Disclosure Act that went into full effect on August 22 does not affect business card companies. The Associated Press reports that Schumer wrote a letter with the […]