Credit Cards: Considering Credit History

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Considering Your Credit  Do you have credit card accounts that you don’t use? Are you thinking about closing these unused accounts to clean off the slate? Read this article to learn more about the effects of closed accounts on your credit history. A Fair Isaac representative reported that closing accounts does not directly hurt one’s credit score, regardless of whether … Read More

Financial Planning: A Dose of Truth and Grace

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Planning for a Financial Planner So you’re considering a financial plan! Perhaps your finances have told you that you need one. Planning with purpose for your financial future is a noble task. Sure many good things come to us in unexpected surprises, but planning for a good future, especially when it comes to finances, is a wise strategy indeed! You’re … Read More

Payday Loans: Borrower Beware

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Considering Payday Loans Strapped for cash? Thinking of getting a payday loan? Think again!  It may be tempting to get a payday advance to hold you over for a week or two until your next paycheck. What could be the harm? The industry claims they’re providing needed credit to consumers who aren’t able to qualify for conventional loans. The industry … Read More

Debt Collectors: Know Your Rights Against Wrong Practices

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Doomsday Debt Collectors  Debt collectors may be within their right to pursue repayment, but you should know how to protect yourself against doomsday debt collectors and their extreme tactics. Fair Debt Collection Practices Act First, you should be aware that there are laws in place that govern the practice of debt collection. The Fair Debt Collection Practices Act was written for … Read More

Credit – The Four Most Common Forms

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What is credit?  Credit is defined in a couple of ways. One is the amount of money you are approved to borrow from a lending institution. With this approval comes an agreement to repay the charges, any additional fees that can or will be applied, and to abide by time restrictions. Credit can also be classified as your borrowing reputation. … Read More

Making Money Matters Manageable in Your Marriage

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Mutual Money Management  Is it love or money that makes the world go round? It’s both…Make money work for your marriage, not against it.  You need tips on strengthening your marriage through mutual management of your money.  This can be done and can even be fun!  Keep reading to find out how. Financial Honesty Have open, honest and non-confrontational discussions … Read More

Money Saving – Top Ten Tips

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Setting a Spending Plan At the beginning of each year, many Americans include “get out of debt” on their list of New Year’s resolutions and then seem to live under the illusion that they will be able to wish this into reality since a spending plan is never created or written down. The most important part of taking control of … Read More