Archive for the ‘credit cards’ Category
Thursday, May 8th, 2008
If you have multiple credit cards and you are carrying unpaid balances on them, using a balance transfer has probably crossed your mind. More than likely, you have received offers for pre-approved balance transfers in your own mailbox and they sound like a great deal. If you read the ads, ...
Posted in credit cards, money management | No Comments »
Thursday, January 10th, 2008
I admit it. Since debit cards have become readily accepted, I rarely have cash. I like the fact that I can use a debit card for $3.51 or $351, whatever the situation calls for. And I like NOT having to think about whether or not I need to go to ...
Posted in banking, credit cards, finances, money | No Comments »
Monday, January 7th, 2008
According to the Federal Reserve, the number of debit card transactions is increasing by more than 20% each year. Debit cards seem to be the ideal balance between carrying cash and using credit cards (i.e. increased debt and interest charges). After all, don't debit cards look, act and get accepted like credit ...
Posted in banking, budgeting, credit cards, finances, money, money management | No Comments »
Thursday, January 3rd, 2008
It's the time of year when DEBT becomes a "four letter" word. Consumers that spent more than they should have for Christmas gifts are dreading the arrival of the next credit card bills. This dread and a promise to not get into this financial situation "ever again" has become an ...
Posted in budgeting, credit cards, debt, money management | No Comments »
Monday, November 26th, 2007
For longer than I would like to admit, my holiday budgets have consisted of buying gifts now and figuring out how to pay for them later! I have always STARTED my holiday shopping with specific spending limits in mind but I have not stayed within those limits very well. Even ...
Posted in budgeting, credit cards, debt, finances, gifts, money, money management | 1 Comment »
Thursday, November 22nd, 2007
If you have managed to miss any of the "Black Friday" marketing efforts aimed at getting people in stores early and often on Friday, count yourself lucky! That is not to say that their are not some good deals to be had but at what cost - dealing with crowds, ...
Posted in credit cards, finances, gifts, money, money management | No Comments »
Thursday, October 18th, 2007
During the next few weeks, borrowers will start to see the effects of some significant changes in the credit industry. For people that are caught up in the mortgage mess and the real estate slow down, these changes may not seem important. For at least 60 million people, however, these ...
Posted in credit cards, credit reports, finances, money, money management | No Comments »
Thursday, October 11th, 2007
The idea that a link exists between Americans shrinking wealth and bulging waistlines is not a new one. While the details of such a link have been difficult to prove, increasing numbers of Americans are classified as overweight or obese and the savings rate of Americans has hit negative ...
Posted in credit cards, debt, finances, money, money management | No Comments »
Thursday, August 30th, 2007
Account and billing mistakes are a reality of personal finances. From the cable bill to the credit card statement, at some point, errors will occur. These errors, even the small ones, become financial disputes that must be resolved. Handling these financial disputes effectively is a skill that ...
Posted in banking, credit cards, finances, money, money management | 1 Comment »
Thursday, August 23rd, 2007
Once upon at time in the United States of America, there were small rectangular pieces of paper called checks. Officially, a check was "A negotiable instrument drawn against deposited funds, to pay a specified amount of money to a specific person upon demand." Paper checks were numbered, bound in books and ...
Posted in banking, credit cards, finances, money | No Comments »