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A great first step in improving your financial life is debt reduction. Credit card offers are so appealing these days: low introductory rates, reward points, high limits. Many consumers rely on them to get through hard times and are left with large amounts of debt and high interest rates. Here are a few strategies to help you begin the process of reducing debt.

Categories: Credit, Money Matters

In today’s environment, your credit score is an extremely important number for many reasons.  Unfortunately many people don’t understand that they may unintentionally be lowering their score.  There are many different activities in your life that can negatively impact your credit score and the only real positive impacts are achieved by paying your obligations on time, all the time.

Debt can be extremely detrimental to your financial future if you're not careful. Fortunately, there are ways to manage debt so it works for you, rather than against you - but it does require a little thing called self-discipline.

Categories: Credit

The harsh reality is that credit can either prevent or advance your financial growth. While it’s not impossible to live without credit, the absence could prove to be more trouble than it’s worth.

The car with the lowest price is always the least expensive car to buy, right? 

Surprisingly, this isn't the case.

Categories: Credit

Understanding how to maintain your credit isn't exactly rocket science. Many of us know the basics: pay all of your bills on time, don't max out your credit cards, don't apply for a lot of credit, etc. But did you know there are less obvious, and even strange, ways to damage your credit?...

Categories: Credit, Identity Theft

Where is YOUR wallet? 

Whether you have already vacationed for spring break, or you are planning a trip for the summer, it's never too late to learn about a mistake that could turn your dream vacation into a nightmare. So listen up! We have a small tip that will make your college vacation more about fun, and less about straightening out your stolen identity.

Categories: Budgeting, Credit, Saving, Spending

It's the end of April and spring is finally here – well, sort of. The weather may not be cooperating in the mid-west, but we doubt unpredictable weather will hinder planning your dream vacation for this spring or summer.

Vacations can be good and bad – they allow for a change of scenery, exploration, and relaxation. However, vacations can also break the bank, especially since a lot of Americans resort to using their credit cards to pay for them. It doesn’t have to be that way; there are a couple of easy things you can do to ensure you have the money for your getaway.

 

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