Has this ever happened to you? You and your spouse are eager to buy a car or a home, you jump online to one of the plethora of credit monitoring websites: www.myfico.com www.creditadapter.com www.creditdiagnosis.com www.freescore.com www.privacymatters.com www.truecredit.com www.transunion.com www.equifax.com www.familysecure.com www.freecreditreport.com www.freecreditscore.com www.experian.com www.identitysecure.com www.privacyguard.com www.creditkarma.com You get your credit … [Read more...]
Being financially savvy means changing your mindset
An article by BudgetQueen A while ago I was approached by someone who was living paycheck to paycheck who was considering “playing the system," (such as not reporting income tax) when she found out that her husband was going to receive another pay cut. This extreme situation is wrong to most of us, but people can be pushed to the extreme in some cases. There is always a better alternative to “playing the system." To get out of a bad place financially often is just a matter of … [Read more...]
Physical Fitness and Financial Fitness Go Hand and Hand: Part One
An article by BudgetQueen I may stir up a little controversy here. You can be physically fit and not financially fit and vice versa. But if you have mastered one, you have all of the skills to master the other. Bear with me here… Getting out of debt is like losing weight. There is no magic cure. To lose weight it takes a desire to be healthy, a commitment to eat healthier and work out, and the patience to see it through. Almost anyone can get healthier with the above combination. Just like … [Read more...]
Transferring balances: Good idea or “Robbing Peter to pay Paul?”
An article by BudgetQueen You get that offer in the mail from either your credit card or a new credit card to transfer an existing balance with no APR for several months. You think to yourself: “Yes, I do pay a lot of interest every month on my credit card. What if I transferred the balance to the new card? What can it hurt?” Well I am here to discuss the ins and outs of balance transfers. Yes, I have done it as well. I have done it successfully, but I have also noticed the little traps that … [Read more...]
Getting out of "paycheck to paycheck"
Dear Christine, I have been living paycheck to paycheck for at least three years now. Whenever I think that things are going better an emergency comes up and I am right back to where I started again. I have a good job as a nurse but I work long hours and all I want to do is crash when I get home. I can’t do some of the things that I want to do like go on vacations, got to lunch with friends or buy nice things. How can I get out of this cycle? “Down in Denver” Dear "Down in Denver," … [Read more...]
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