Remember the Seinfeld episode where George's wallet was so full that he was getting chronic backache? He said it was his personal filing system. Don't be George. Get organized instead!There are some good ideas in this article at The Simple Dollar like keeping a photo of your money goal next to your credit cards. He also tells you how to combine … [Read more...]
Are You Leaving Cookies and Milk for Facebook?
Do you get the creepy feeling that Facebook is following you around on the web? Even after logging out of Facebook? Do you need to clear out your cookies? Here's what others think and what you can possibly do about it. Click here to link to TheBigPicture.Some people are concerned about Facebook and other social media sites collecting … [Read more...]
Naughty or Nice? Don’t Put These on Your Credit Card
(Red cocktail recipes linked at bottom of this post.)This time of year someone is watching you--watching to see if you are naughty or nice.Your credit card company is taking note if they see you put certain "naughty" purchases on your card. What kinds of items are red flags to them?Some are kind of obvious, like purchases at a pawn shop. They … [Read more...]
What Is a Good Credit Score? Our Refinance Experience
We all want a good credit score. No, we want a really good credit score! Then we can get the best interest rate on any loan whether it's a car loan, mortgage or a mortgage refinance. Who wouldn't want to get a lower monthly payment? So what is a good credit score? Well the higher the better of course. The good range starts at 700, but in … [Read more...]
How Much Money Should You Have in an Emergency Fund?
Wow, 50% of Americans say they do not have an emergency fund to cover a $2000 expense such as an unexpected bill for car repair, home repair, a medical emergency, or legal expenses. Of course no one can predict those bills, that's why a person has an emergency fund. Yet cars do break down, roofs leak, and neighbors can sue. Many who declare … [Read more...]
Credit Unions: Free Checking Still Available at Most
There are not many places you can still get free checking. Of the top 50 credit unions 38 credit unions still offer it. We don't use checks that much anymore as we pay almost all our bills online automatically. Not only is it cheaper, it takes away the worry about getting bills paid on time. It could be worth your time to call around (or look … [Read more...]
Smart: Prioritizing Your Bills
The linked post is from Bankrate.com, one of my favorite sites for financial advice. Some good points about paying bills include paying as many bills online automaticly as you can. That way you don't forget. Late fees not only cost you unnecessarily, but being late on bills really dings your credit rating (FICO Score). Recent changes in the way … [Read more...]