Tag Archives: Credit

From Bitcoin to Bullion: The Tangibility of Currency

By David Parkman As economic systems advance and evolve, so too does their system of currency. From the earliest days of our ancestors, the exchange of physical goods used for survival has been a staple of human communication and the … Continue reading

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10 Ways to Get a Free Credit Report

Did you know that many people don’t actually know how to obtain a credit report? More importantly, some of them don’t even know why they should check their credit report each year. Credit reports help prove your credit worthiness to … Continue reading

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Using Credit as an Emergency Fund is a Bad Idea

Not too long ago my neighbor needed a new water heater. After it was installed, we went on one of our daily walks and she moaned about the expense and hassle. “Well,” I said, “at least you covered it out … Continue reading

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What It Really Means to Cosign a Loan

A news story caught my eye last week. This sad story made me realize that many people have no idea what they’re getting into when they agree to cosign on a loan for someone else. In this case, a mother … Continue reading

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10 Important Personal Finance Lessons Every Person Should Know

Managing your money is hard and the current times make it more so. The fact is, though, it’s never been more important to get a handle on your personal finances than in today’s economy. Regardless of whether you’re a wage … Continue reading

Posted in Budgeting, Credit Cards, Frugal, Health, Insurance, Personal Finance, Retirement, Taxes | Tagged , , , , , , , , , | 4 Comments

Pride vs. Shame in Financial Matters

I read an article on MSNBC.com this week about how people are not paying on their homes and voluntarily entering foreclosure so that they can save money. The gist of the piece is that these people have simply decided to … Continue reading

Posted in Debt, Housing, Personal Finance, Saving Money | Tagged , , , , , , , , | 13 Comments

Dave Ramsey Financial Peace University: Week 5

This week’s lecture was about credit reports, credit reporting bureaus, identity theft, and collection agencies. Quite a scattering of topics. The first part of the class was on credit scores and credit bureaus. Dave makes the point that a FICO … Continue reading

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A Life Without Debt: Not Immune From The Credit Crisis

I knew it was bound to happen, but I’d been hoping that somehow I’d avoid it. Despite having excellent credit and no debt, we got a letter from one of our credit card companies dropping our limit from $10,000 to … Continue reading

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Little House on the Prairie Financial Lessons

I grew up watching Little House on the Prairie in the 70′s. It was a fun and entertaining show plus each episode had a moral to it. However, it wasn’t until I staged a marathon viewing session courtesy of Netflix … Continue reading

Posted in Budgeting, Debt, Education, Entertainment, Frugal, Personal Finance, Relationships, Saving Money, Work | Tagged , , , , , | 8 Comments

A Life Without Debt: Simple Credit Reports

It takes my neighbor hours to pay all her bills while being debt free keeps me from that onerous chore, saving me valuable time. The same neighbor taught me about another time saving aspect of being debt free. This neighbor … Continue reading

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Stay Strong and on Budget

This is one of the hardest times of the year for me to continue setting money aside. For one, the money we earmarked for gifts has been spent, which makes the total in our account look smaller than usual. I’ve … Continue reading

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9 Ways to Maximize Time in College

One of the major costs of college is the amount of time you stay there. By being able to graduate in a shorter period of time, students can not only save on tuition, but also college related expenses such as … Continue reading

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Cut College Costs in Half through Community College

While one way to cut the cost of college is take AP classes, many cost saving college pundits suggest another is going to a less expensive community college rather than starting straight off at a more expensive 4-year university. I … Continue reading

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How to Reduce College Credit Cost By 90%

Oh the AP tests. One 4-hour exam can determine the fate of a whole college course. The 1st two weeks each May, high schoolers across the US gather at testing sites to spill their brains onto their testing booklets in … Continue reading

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