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Should You Close Your Credit Card Once You Pay It Off?
For years you’ve been saddled with credit card debt. Now, after months of sacrifice and diligence, you’ve paid off one of your credit cards. Yay! Perhaps you still have a few more cards to pay off,...
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Dave Ramsey’s 7 Baby Steps: Step 2 – Pay Off All Debt Using The Debt Snowball
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...
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Dave Ramsey’s 7 Baby Steps To Getting Out Of Debt
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 who...
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Credit Sesame Will Give You A Free Credit Score (And Help You Find Better...
If you want to stay on top of your credit like I do, you have quite a few options that you can take advantage of in order to monitor your credit. With the passage of the Fair Credit Reporting Act...
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Do You Know What REALLY Affects Your Credit Score?
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 companies...
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How To Avoid Falling Into A Bad Credit Score
Building good credit is a years-long process, while destroying credit only takes a few bad decisions. With this in mind, it’s important for new credit users to avoid the many mistakes which lead to bad...
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Are Credit Report Errors Costing You?
Recently, my husband and I refinanced our home. During the process, we were rather surprised to find that, on my credit report, our mortgage loan was duplicated. That’s right: It looked as though we...
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Using Free Resources To Keep Tabs On Your Credit Score
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 helpful as...
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The Real Cost Of Identity Theft
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 people...
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Should You Use Your Cell Phone As A Credit Card?
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...
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How To Check Your Credit Report For Errors — And Get Mistakes Fixed
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...
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Tired Of Credit Card Offers? Take Your Name Off the Marketing Lists
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...
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Avoiding Debt? You Still Need Good Credit
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...
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Traveling This Summer? Don’t Forget Your Credit Card!
When it comes to the debit card vs. credit card vs. cash debate, there often isn’t a clear winner. We all have our preferences. However, for maximum security when you travel, it’s often a good idea to...
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Here’s Why You Should Shred Those Credit Card Convenience Checks
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...
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How To Avoid Debit Card Fees
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...
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