Are you over-spending this holiday?

The “stock” advice for the upcoming holidays is not to overspend. Everyone knows that. You know that. The financial experts know that. And people who overspend know that as well. Now, the question is- with item prices skyrocketing everyday how…

The Fastest Places to Get Loans

Sometimes you need money fast. Unfortunately, the bank is not a place to get a loan. They require long credit checks and an application process with so many boxes it can make your head spin. You need an alternative to…

How to keep a check on your credit card debt

Carrying a debt forward is a natural habit with most of us. A debt might appear in various forms like home equity credit, mortgage and student loan. It isn’t bad to carry your debt forward and at times it becomes…

Steps to improve your credit rating in the long run

Responsible borrowing needs to proven to your lender if you’ve accumulated debts. Your credit score is likely to be improved with time. Follow a few simple steps to improve your credit score – Make timely payments Your accounts need to…

Why PIN is Coming to Credit

To a resident of Canada, the United Kingdom, or Hong Kong, the chip-and-pin system is far from revolutionary. If you live in the United States, however, you still utilize signatures and a magnetized strip on your credit cards. Because of…

How To Save More Money And Boost Your Finances

The year is 2014 and the financial climate of the world is only getting worse. More and more jobs are being cut and employers paying less and wanting more time and work from employees. The cost of living seems to…

What to Do If You Have Credit Issues?

Credit issues can impact just about every aspect of your life. Why? If you do not have a good credit score, it is harder to qualify for mortgage loans, auto loans and other types of financing. In addition, a bad…

Should You Cancel Old Credit Cards Or Reapply For New Ones?

Most people have at least one credit card. Even if you’re not using the card, and you’re not interested in swapping the balance to another lender, it still might be worth cancelling the card and switching to another one. With…

Credit Card Debt Weighing You Down?

The world revolves on credit. More and more individuals are dependent on these plastic cards for their daily survival. The problem with this is that you lose financial accountability and sound judgment over a period of time. Without credit cards…

Four Naughty Credit Cards Spending Habits You Need To Fix

It is common knowledge that Santa Claus is making a list and checking it twice,  that he’s gonna find out who’s naughty and nice. But that’s just for kids.  Adults get into all sorts of mischief without the benefit of…