Holiday shopping spree can take its toll especially if you have a very limited budget.  However, you do not need to get yourself into debt just because it’s Christmas.  The New Year celebrations can still be merry and meaningful without overspending or taking on credit card debt.  Consider … [Read more...]

If you own a credit card, it’s very important to be aware of your spending and avoid traps that can easily lead you to bad debt.  But did you know that there are worst times to be using your credit card?  In some instances, your credit card will not be the best means to deal [...] … [Read more...]

Have you taken a closer look at your future retirement plan?  Some people may not give much thought to their retirement, but there are many good reasons why you should bother creating a realistic and solid retirement plan. CNN Money reports … [Read more...]

Are you all set for the holiday season? Consumers are advised to set a specific budget on their holiday expenses and activities to avoid overspending. But what if you have a limited budget? What can you do to stretch that budget and stay within the budget this year? Consider these practical tips: 1. … [Read more...]

The holidays are fast approaching and for most people, it also means shopping and spending. While shopping for gifts and new things can be fun, being stuck in bad debt is certainly a hassle. So how can you avoid bad debt this holiday season? How can you use your credit card without falling into bad … [Read more...]

For many businesses, the months of November and December is considered to be the most profitable time of the year.  With three different holidays to celebrate- the Halloween, Thanksgiving Christmas, many consumers are prepared to do more shopping.  For identity thieves, the holiday season is also … [Read more...]

When it comes to financial matters, your personal credit score is a crucial figure that can make or break your plans. Many banks, creditors and financial organizations will grant their decision on whether to approve your credit application or how much interest rate you will be given based on the … [Read more...]

Thanksgiving is just around the corner and for many families, the celebration would not be complete without a Thanksgiving dinner.  Have you made plans on how to put together a Thanksgiving dinner for your family?  On this post, let’s talk about practical tips on how you can enjoy a wonderful … [Read more...]

You probably hear a lot of things said about bankruptcy.  However, there are some myths about bankruptcy circulating in the market that can affect your decision on matters of finance.  In this article, let’s take a look at some of these bankruptcy myths and the truth behind them: You will never … [Read more...]

So you’re thinking about cancelling one of your credit cards. Perhaps you want to close out the account because your card has a high rate or maybe you feel that you just have too many credit cards and you’re not using that one account as much. However, before you call up your issuer to cancel … [Read more...]