You might think that credit cards for people with excellent credit are universally the best products available, and that the quality of a credit card naturally rises in accordance with the credit level required to get it. And you might believe that ...
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5 Indispensable Tips for Using Your Credit Responsibly
Your creditworthiness is a representation of how well you manage your finances. It's essentially the first impression for everything from buying a home to getting decent rates on your car insurance. So using your credit responsibly is an absolute ...
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How to Eliminate Credit Report Errors That Often Get Overlooked
Financial institutions rely on one major factor when deciding whether or not to give you a loan: your credit report.
Credit reports contain a lot of information, including your name, address, place of employment, credit lines, balances, payment ...
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Why Grandma Was Smarter Than You About Money
Yes; Grandma was smarter than you about money. Is that a crazy thought? Well ... Grandma may not pay bills with a smartphone or trade stocks on her computer -- but the fact is she can teach a few lessons about saving money that you can take to the ...
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A Guide to Retirement Budgeting on a Fixed Income
So you're planning to quit work soon and will be facing retirement on a fixed income? First of all: congratulations! Now, it's time to ensure that your money outlasts your life and that there's some left over for your children.
You can do that by ...
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Why Money Isn’t the Root of All Evil
So you think that money is the root of all evil? Have you ever asked what is the root of money? Money is a tool of exchange, which can't exist unless there are goods produced and men able to produce them. Money is the material shape of the principle ...
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6 Good Financial Habits That Will Improve Your Bottom Line
Did you make a New Year's resolution to improve your bottom line? Fortunately, it only takes a few good financial habits to meet that noble goal. Even better, most good financial habits are so easy to implement that it's just a matter of getting ...
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The Top 40 Ways to Improve Your Credit Score
One of the first and most important tasks most everybody should tackle as an adult is establishing and improving their credit score. That's because people with great credit enjoy lower loan rates that can result in serious monetary savings. After ...
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Understanding the Math Behind the Mortgage
Last month, interest rates reached the psychological 8% barrier for the first time in more than a decade, and there is speculation that they will continue to rise. But do homeowners know the math behind the mortgage? After all, buying a home is a big ...
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Condition Yourself to Hate Paying Interest
God, do I hate paying interest! To anyone. For anything.
I abhor paying interest, and I avoid it like the plague! You should too.
I think that most people who currently enjoy a life of financial freedom have this distaste of interest payments ...
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How to Reestablish Credit Quickly
Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living ...
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10 Old Wives’ Tales Masquerading As Financial Rules of Thumb
It's been said that if the palm of your right hand itches, you'll soon be coming into money. On the other hand (seriously, no pun intended), it's also been said that if your left palm itches you'll soon be paying out money.
Don't laugh. There are ...
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One of the Biggest Money Mistakes a Household CEO Can Make
It's been said that failing to plan is planning to fail -- especially with respect to personal finances. And although you may be prepared, one of the biggest money mistakes any household CEO can make is to abandon their financial plan. Especially ...
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8 Smart Tips for Managing Your Personal Finances
If you manage your personal finances, it can often seem daunting. But following some smart strategies can help you take control of your money and set yourself up for financial success. Here are eight tips for effectively managing your personal ...
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How Debt Trouble Is Usually Related to Your Diet
Many folks in debt trouble who tally their assets and liabilities after years of modest but steady increases in income often end up scratching their heads, wondering why their net worth is nothing to write home about. Whether those in debt trouble ...
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5 Ways Smoking Negatively Affects Your Finances
It's not likely you'll be able to find anyone in the United States who has escaped the message that smoking is hazardous to your health. After all, there's a Surgeon General's warning on every pack. And children learn about the negative effects of ...
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The High Cost of Being Poor (and How to Vanquish It)
We have all seen difficult times, so that's nothing new. And there's a high cost of being poor. Let me explain:
My wife and I started our business at exactly the wrong time. Although we established it in 1967, we opened our first brick and mortar ...
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Financial Lifelines: Loan Types for Small Businesses and When to Get One
For all businesses, adequate money is vital in keeping operations afloat and obtaining many opportunities for upscaling and growth. Many businesses partner with banking institutions and lenders to fund their operations, especially startups and ...
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Why Tracking Your Expenses Is So Important
It's true; there are many folks out there who successfully manage their household finances without ever using a budget. Even so, most successful home money managers that don't have a budget still track their expenses and income. That's because trying ...
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Four Big Drawbacks to Store Credit Cards
The other day the Honeybee applied for a clothing-store credit card to take advantage of a deal that gave her a one-time savings of 15% off her purchase. I know.
To tell you the truth, I'm not really that big of a fan of in-store credit cards, but ...
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