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Let’s be clear – when you use them properly, credit cards can be the cheapest way to borrow money. However, there are plenty of pitfalls. Make a few bad decisions or take your eye off the ball and their benefits can significantly lessen. Savvy management is the key when it comes to making a credit [...]
Last year people started getting a lot of credit card offers in the mail again. For some, I’m sure they thought that life was getting back to normal and that the economy was making its way back to where it had been before. Turns out not only is that not true, but the credit card [...]
The last time I talked to my grandma, she started telling stories about raising eight kids on a factory worker’s income. With less than $20,000 a year, my grandparents traveled across the country, helped five kids through college and bought a vacation cottage. And they did it all without a credit card. from “A History [...]
If you have been considering an offer from a credit card company that promotes low interest rates on balance transfers, there are two things you need to understand. First – Yes a balance transfer can work well for you as a means of eliminating debt effectively. Second –You should have a plan in place before [...]
Many college students use the “buy now, pay later” approach to credit cards and end up with a substantial amount of debt before graduating. It can take a person years to recover from the bad financial decisions made while going to college. Many college students think money gives them freedom to do what they want, [...]
Anyone who’s ever grown up with a brother or sister has probably been taught the value of sharing at a very early age. I had a younger brother growing up, so I learned from a rather early age to hate the “S” word. But while we all (well, most of us anyway) eventually learn that [...]
We’re slowly pulling ourselves out of one of the worst financial crises in history. True, unemployment is still high, but it’s stabilized, and in some states it’s actually come down. People are starting to spend more; that is, if the weather allows them to leave the house. Credit card offers have started going out again. [...]
