When it comes to signing the back of your card, you’ll get different answers depending on whom you talk to. Your credit card company requires you to sign your card for it to be valid.
Posts Tagged: Blog
We frequently see married credit counseling clients who come to us by themselves and do not want their spouses to find out about their debts.
Either one partner has secretly been using credit cards without his/her spouse’s knowledge and has gotten in too deep, or one person in the relationship is responsible for managing all of the family’s finances and, having failed to keep debt under control, doesn’t want anyone to find out.
In short, your credit utilization is the percentage of total credit used in comparison with the total credit available. Calculate your utilization by dividing your balance by your limit. For…
Do you want to close a credit card account but are unsure how it will affect your credit score? There are many reasons why we may want to close a credit card, such as avoiding annual fees, too many fees, high interest rates, or unsatisfactory customer service. Whatever the reason, please review the following to determine what is best for you:
The Fair Isaac Corporation FICO™ states “They would never recommend closing a credit card for the sole purpose of raising the score.”
If you’re paid bi-weekly on Fridays, then this month might be a 3-paycheck month for you. It happens roughly twice per year for those workers who are paid every other week, and for many of us, it’s like winning a small lottery jackpot.
But rather than squander that occasional 3rd paycheck in a month, use those funds to help bring your personal finances into balance. Here are 5 suggestions for getting the most out of that extra paycheck:
Many student loan borrowers will end up on the phone with collectors, loan officers, or other interested parties hoping to ensure that loan payments will be made on time. With…
Charity is a great thing, but people in financial trouble need to be careful with their giving. Consider our advice on sticking to a budget while contributing to charitable causes.
This article offers six warning signs your spending is becoming a problem. If these signs apply to you, this article may help you spot financial spending danger zones and improve your…
One of the biggest problems we see in financially distressed consumers is that people waste a lot of money on the little things.
Traditionally, credit counseling services see more women seeking counseling than men. We don’t think that means women have a harder time managing their personal finances; on the contrary, it indicates that women more frequently take responsibility for the family budget.
It’s also an indication that women are more likely to seek help when they are struggling with their budget. Thankfully there are many great resources available that are tailored specifically to women. Here are five of the best:
You’ve finally done it! For years you’ve been saving money and keeping your credit record clean, waiting for the right moment to start looking at houses. And now you’ve got enough…
1. Plan meals and snacks around the four food groups
2. Plan meals for the week
3. Shop once a week for main items