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Managing Credit

Will I Go into Debt If I Have a Credit Card?

The answer to this question is a tricky one, and honestly you could.? I did, but with discipline it actually can be a rewarding card that actually makes you financially responsible if you use one.? Let?s back up a second when I said I...

This Christmas, More Of Us Want Meaningful Things And Not More Stuff And That?s A Good Thing

Christmas is almost here and as usual, the festive frenzy is hitting fever pitch with each passing day. The economy has been tough on retailers this year, but it hasn?t stopped them from rolling out their annual high budget advertising campaigns . Turn on...

5 Ways to Manage Your Credit

Reputation is very important -- whether in your personal life, at work, or where your finances are concerned. Your credit score is your "financial reputation". The better your credit score, the more likely you are to get low-interest rates, loan packages, and higher credit card...

What If Credit Cards Aren’t For You?

On this blog, we talk about credit cards a decent amount. However, what if credit cards are not for you? There is no wrong or right way to handle your money. Some people are great with credit cards yet horrible with cash. Others are great...

Demystifying Four Credit Myths

There are many myths when it comes to your credit score and credit report. These myths will probably always float around in space somewhere, but if you are reading today's post and read my blog, then hopefully we can demystify these credit score and...

The Crazy Credit Catch-22

Remember Catch-22 and that ?damned if you do, damned if you don't? mentality? Well that is exactly how credit works these days. If you are responsible, pay off all your debts on time and live a relatively debt-free, all cash life, you can be penalized...

Four Myths and Facts About Credit Cards

According to NerdWallet, the average household in the United States has credit card debt of $15,607. That's a lot of debt, and many people are way above that number. Some of this credit card debt is because people don't fully understand how to use their...

Credit Score Tips Directly From FICO

Along with the expected tips, such as paying your payments on time, getting current on any past due payments and then keeping them current, there are also some other tips on increasing your credit score that you can find at the myfico.com website at...