Last time we looked at Baby Step 2, paying off all your debt using the debt snowball. You take your bills, put them in order from smallest amount to largest amount, and proceed to … [Read more...] about Dave Ramsey’s 7 Baby Steps: Step 3 – 3 To 6 Months Of Expenses In Savings
In my last post in the 7 Baby Steps series, we looked at Baby Step 1, saving up an emergency fund of $1000. You save up that baby emergency fund in order to insure yourself against the risk of life's … [Read more...] about Dave Ramsey’s 7 Baby Steps: Step 2 – Pay Off All Debt Using The Debt Snowball
One of the ways that you can stay on top of your finances is to track your credit score. While a credit score isn't the be-all and end-all of your financial snapshot, it can still be rather … [Read more...] about Using Free Resources To Keep Tabs On Your Credit Score
For my first real post on this personal finance blog I thought it would be appropriate to talk about one of the people who have influenced my financial life the most, Dave Ramsey. For those of you … [Read more...] about Dave Ramsey’s 7 Baby Steps To Getting Out Of Debt
Many consumers are aware that a credit score is an important part of their finances. In recent years, a credit score has become an indicator of your financial wellbeing and reputation. Even … [Read more...] about Do You Know What REALLY Affects Your Credit Score?
Approximately 15 million people a year are victims of identity scams. The financial toll from these victimizations is near $50 billion. Identity theft is a growing epidemic around the world, and … [Read more...] about The Real Cost Of Identity Theft
Technology has been rapidly developing to the point that it's possible to do almost anything with the help of a smart phone. You can get directions, pay your bills, and save coupons with the help of … [Read more...] about Should You Use Your Cell Phone As A Credit Card?
Your credit history matters a great deal. From loan rates to getting some jobs, what's in your credit report can make a difference in your finances and in your life. If there is a mistake on your … [Read more...] about How To Check Your Credit Report For Errors — And Get Mistakes Fixed
Lately, my mailbox has been stuffed full of credit card offers. To be honest, I haven't done anything about it because I'm actually in the market for a shiny new credit card. Hopefully one with a fat … [Read more...] about Tired Of Credit Card Offers? Take Your Name Off the Marketing Lists
You probably know that if you plan to borrow money, you'll only get the best terms if you have good credit. If you want to save money on interest, and enjoy the best possible terms, you need to show … [Read more...] about Avoiding Debt? You Still Need Good Credit
They're called convenience checks for a reason. You open up your mailbox and there sits an envelope from your credit card company telling you that you have to open it right away. There's an exciting … [Read more...] about Here’s Why You Should Shred Those Credit Card Convenience Checks
Last year congress passed a bill that empowered the Fed to cap the fees large banks charge retailers for debit card transactions. As a result, big banks have lost a significant source of revenue and … [Read more...] about How To Avoid Debit Card Fees