Every year, around tax time, I hear and have conversations where folks are looking forward to a big fat refund check. They are so happy to be getting a chunk of money back from the government. What I want to know is why they gave the government an interest-free loan in the first place. Especially when they probably needed the money themselves.
I mean, don’t they realize that the $1200 they get back was $100 a month they paid too much? [Read more →]
Don’t let those cute and catchy commercials trick you into paying for your credit reports when you can get them for free. By law, you can request a copy of your report from each of the three major credit reporting agencies (Equifax, Experian, TransUnion) once every twelve months.
There are three ways to request the reports: [Read more →]
This is a quick tip to add to all the other advice being passed about on how to reduce your gasoline usage, like consolidating your trips and planning your route to reduce and eliminate the number of stops.
When driving on highways or interstates, stick to a maximum speed of 60 to 65 MPH.
In my “previous life” (read: first marriage and the subsequent divorce), I went down the road of lousy credit and all the stress that comes with it. I have since reformed my ways and now my credit is excellent. So now when someone asks me what I know about rebuilding credit, here’s what I tell them…
The best advice I’ve got on how to rebuild your credit is to
1. STOP DIGGING and learn to live within your means,
2. PAY OFF YOUR EXISTING DEBT and stop thinking you can borrow your way out of debt, and
3. CHANGE YOUR THINKING because credit does not equal money.
So many people don’t know how to handle their money. They bring home a paycheck and in a matter of days, they have no idea why they have no money left. They keep doing the same thing every month and don’t understand why nothing changes. If you’re one of them, I challenge you to make a change. Realize that money has to be managed and that “budget” is not a dirty word. Honestly, if you don’t know where your money is going, how can you expect it to get to the necessary destination?