Check Out Your Credit Score for Free.

We, consumers, have been able to access our credit reports once a year for free with www.annualcreditreport.com/. This has been a great tool for monitoring fraud, credit worthiness, and so on. The problem: we still have to pay for our score, which costs around $8.00 per credit bureau. Now we can access our credit score for free through these two …

How long Does it Take to Get Out of Credit Card Debt?

HOW LONG DOES IT TAKE TO GET OUT OF CREDIT CARD DEBT? In a book that I am reading called “Debt-Free Forever” written by Gail Vaz-Oxlade, there is a tip that I wanted to share with you. “While it may have become socially acceptable to make only the minimum payments required on our debt, this is a really bad idea. …

Having Good Credit Isn’t Just for Loan Approvals

Having Good Credit Isn’t Just for Loan Approvals I often times get asked, “Why would you want to strive for a good credit score if you don’t plan on borrowing money?” When I speak within the community. Having good credit does not only affect you in the lending world, it also affects many other aspects of your life. These are …

Insider secret #4

Most people prefer to leave the hospital feeling better than when they entered. However, with today’s cost of health care, and an increasing amount of that cost being passed along to the consumer, the discharged patient may exit with a financial nightmare looming in the distance. Through the years hundreds of clients have sought us out to assist with concerns …

Insider secret #3

This is a secret no one likes to talk about. However, if you are someone facing this situation the last thing you need is a bill collector harrassing you. I believe that once YOU know what your rights are then THEY will back off. Millions of consumers may have accounts in collections with a third-party collector, or headed there, I …

Make Your Own Laundry Detergent

Make Your Own Laundry Detergent What you will need: 1/2 Cup: Arm and Hammer Washing Soda (not Baking Soda) 1/2 Cup: Borax 20 Mule Team 1/3 Bar of Fels-Naptha Bar Bucket (2.5 gallon size) large pot to dissolve soap mixture Empty laundry detergent containers or bucket with lid to store detergent. Clean Funnel Clean gallon Jug Instructions: Grate 1/3 bar …

Insider secret # 2

It’s a sinking feeling you get the moment you realize something is very wrong with your bank and/or credit card account. Someone has used your account..someone has your information..I believe its..its..identity theft? What do you do to protect yourself and correct this grievous mistake? Here is your checklist. 1) Immediately close the account that you know, or believe, has been …

Insider Secret

Today I want to give everyone an insider tip. Honestly, its one of the simple joys in my life. I take pleasure in giving people little nuggets of knowledge that make life just a bit easier or simplier. Have you ever wondered, as you go through your mail, how on earth you get SO MANY credit card offers and junk …

15 Ways to Save Money

15 Ways to Save Money Track your spending. Carry around a small note pad or type it in the notes app on your phone. Every time you spend money, write down the date, what it was, and the cost. Do this for at least 2 weeks, preferably a month and you will see where you are spending too much money …

Refinance your home?

In recent posts Beth gave advise on using the equity in your home to consolidate debt. Great advise, by the way. I wanted to take it a step further and talk about simply refinancing your home. The current mortgage interest rates are very appealing to a homeowner. If you are a homeowner who has good credit and the right amount …