Prairie Eco-Thrifter

FEBRUARY 10, 2011

Mike is the owner of CreditCardForum.com, which is a forum and blog for discussing credit-related topics. Recently, he’s been working on a list of the best gas credit cards and his most recent credit card review was for the Chase Ink card. Gotcha #1: Caps on rewards. Gotcha #3: Expiration of rewards.

Credit Cards 113

Credit Cards Gas Credit Fuel 113

Motherhood Moments

DECEMBER 26, 2022

One of the most impactful resolutions people can make for 2023 is getting out of credit card debt. Credit card debt is rising at a historic pace , and owing a lot can put people in a very difficult position if the job market takes a turn for the worse.

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New Year's Money Finance Debt 130

Family Balance Sheet

AUGUST 6, 2022

I took advantage of a “welcome back” bonus payout that ended in July, so this average will go down in August. Credit Card Cash Back Redemptions in July: $196. However, once we paid off all of that debt, I started playing the credit card game. I only use cards that offer some type of cashback offer.

July 130

July Frugal Credit Cards Donation 130

Family Balance Sheet

APRIL 12, 2016

I had $29,000 in MBA student loans, $14,000 in credit cards, and $13,000 in a car loan. Also find inexpensive entertainment in your area – there are lots of free events in your local communities to take advantage of. I no longer use credit cards – only debit cards or cash.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Prairie Eco-Thrifter

JULY 15, 2013

As I read financial blogs, I find that a lot of bloggers seem to like to pay for everything with their credit card. You can get rewards or cash back , the credit card company tracks all your purchases for you and may even show you a yearly statement indicating the percents you spent on that card in various categories.

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Used Credit Cards Psychology Credit 234

Motherhood Moments

DECEMBER 15, 2022

Get cash back with your credit cards. Did you know that most credit cards have deals and offers attached to them? Example: I love my Platinum American Express, but to justify the annual fee, I take advantage of every perk it offers and I use it to earn cash back. You just have to know where to find them.

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Thrifty Credit Cards Credit Consumer 100

Prairie Eco-Thrifter

APRIL 10, 2013

Strategy: Use Your Credit Card. While it can’t be helped with the mortgage payment, and while I have the car and student loan payments deducted from my checking account, there are some smaller, recurring expenses that can be charged to a credit card and then discharged once a month. Do you use automatic bill pay?

Bills 271

Bills Credit Cards Finance Credit 271

Koupon Karen

JANUARY 15, 2024

The Digital Advantage: Unlocking Online Coupon Treasures Explore the plethora of coupon apps and websites dedicated to delivering discounts directly to your fingertips. Take advantage of exclusive perks, such as early access to sales events or member-only discounts, by actively participating in the loyalty program.

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Art Storing Landscaping Discount 52

Prairie Eco-Thrifter

JANUARY 1, 2013

I was an expert at this; I spent every dollar I earned and juggled multiple credit cards to pay bills and buy whatever I thought I had the money for. Of course, by using credit cards for purchases and bills, I was spending money I didn’t have and probably wouldn’t have any time soon. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Family Balance Sheet

NOVEMBER 18, 2022

Americans will spend about $900 on holiday purchases** and unfortunately, many people will get a little surprise in the mail in January when the credit card bills start rolling in. Include gifts, but also travel, decorations, cards, stamps, parties, etc. We will pay cash for Christmas this year and I want that for YOU too!

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Christmas Budgeting Budget Money 130

Penny Pinchin' Mom

MARCH 11, 2024

So I would suggest using this method until you have your spending habits under control, and then you can go back to the credit cards. Download Cash Back Apps Remember when I said you were going to need your credit cards at some point? What I do is use my credit cards in conjunction with cash back apps.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

NOVEMBER 2, 2022

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. So please, take advantage of my offer and make a spending plan for Christmas. Hopefully, that’s your goal too. I use this spreadsheet every year.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

Prairie Eco-Thrifter

JULY 8, 2013

This is at a time when I was struggling with paying my tuition, my rent, groceries, gas, and insurance, and was in a lot of credit card debt , so every penny counted back then and that $20 leaving my wallet felt like a lot more. Which is More Dangerous: Cash or Credit Card? Money Tips'

Money 264

Money Credit Cards Credit Advantage 264

Penny Pinchin' Mom

DECEMBER 17, 2023

Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. This is why you should pay off your high-interest debts like credit cards first. The right move depends on your specific circumstances.

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Pay Off Debt Debt Emergency Fund Financial Goals 52

Coupons Do Work

AUGUST 13, 2016

ALSO, take advantage of our Credit Event and enjoy an extra 15% off purchases under $100 and 20% off purchases of $100 or more. Use your JCPenney credit card and receive 20% off purchases under $100 and 25% off purchases of $100 or more. Save on select original, regular and sale-priced items. Valid 8/13 only!

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Flashes August 2016 Codes 100

Savings Corner

DECEMBER 24, 2023

One of the biggest benefits of a personal loan is that they often charge lower fixed interest rates when compared to other forms of lending, like credit cards. Personal loans have advantages and drawbacks. Consolidate debt: You can use a personal loan to consolidate expensive debt, such as credit card debt.

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Debt Credit Cards Credit College Tuition 52

Savings Corner

DECEMBER 25, 2023

How a HELOC works A HELOC works similarly to a credit card: you’re able to borrow up to a certain limit as needed, rather than taking out a lump sum all at once. Unlike a credit card, however, you shouldn’t use a HELOC to pay for everyday expenses.

Credit Cards 52

Credit Cards Credit Re-use Home 52

Family Balance Sheet

OCTOBER 15, 2021

Side Note #1: I do not advocate the use of credit cards unless you are able to pay off the balance every month so as not to incur fees and charges. To take advantage of the bonuses, you must link your eligible 529 College Savings Account. You can apply for the card through your Upromise account. It’s FREE!

College 130

College Used 2020 Saving 130

Family Balance Sheet

MARCH 5, 2021

I had an unexpected surprise hit my credit card in February. Ibotta is a cash back app and I took advantage of a lot of their grocery offers in February. In January, I found more extra money than I ever have and I was so excited about it, BUT unexpectedly, February…blew.it.out.of.the.water! Airfare Refund: $2700.

February 257

February Money Airline Flights 257

Savings Corner

APRIL 4, 2024

Your cost to borrow could be lower: Cash-out refinances often have lower rates than home equity loans , personal loans and credit cards. You can improve your credit: If you use your equity to consolidate debt, your credit utilization could drop. This can be a boon for your credit score.

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Refinancing Work Debt Home Improvement 52

Savings Corner

APRIL 4, 2024

Credit card rates are lingering above the 20-percent mark, and personal loans can stretch into the 25–35 percent range for borrowers with less-than-perfect credit scores. First, you need to have a real commitment to not build those credit card balances up again. to 10 percent. How does a home equity loan work?

Home 52

Home Debt Credit Cards Credit 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

Use Cash Every time you use your credit card, you are paying interest on that purchase. Spending hard cash is much harder than swiping your credit card. For example, if you want to buy a car worth $20,000, you could decide to save $1,000 a month for 20 months or $5,000 a month for four months.

Cars 52

Cars Car Bank Banking 52

Couponing 101

JANUARY 15, 2019

This price applies to all three versions of the game — Xbox One, PlayStation 4 and Windows — so no matter what you or your favorite gamer use to play this riveting war-zone game, you can take advantage of this deal.

Credit Cards 55

Credit Cards Video Games Games Finance 55

Motherhood Moments

JANUARY 24, 2023

A warranty certainly has its advantages because it allows you to pay a lower cost or no cost at all if something goes wrong on your property. That way, you can start building momentum as you see the loans and credit cards fall off of your report.

Money 130

Money Home Real Estate Warranties 130

Couponing 101

SEPTEMBER 10, 2013

Right now they are offering a FREE $10 gift card to new customers when you make a purchase at CVS. Register a debit or credit card with Plink. Use that card to make a purchase at Chipotle before 9/15/13. If you prefer to shop at Walgreens, you can take advantage of the same Plink offer at Walgreens !

Gift Cards 100

Gift Cards Making Gifts CVS 100

Couponing 101

APRIL 23, 2013

Right now they are offering a FREE $10 gift card to new customers when you spend your first $10. Register a debit or credit card with Plink. Use that card to spend at least $10 at any Plink-registered store or restaurant before 4/28/13. I have talked to many people who have taken advantage of Plink offers.

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Gift Cards Gifts Eating Out Burger King 99

Family Balance Sheet

NOVEMBER 26, 2014

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. So please, take advantage of my offer and make a spending plan for Christmas. Hopefully, that’s your goal too. I use this spreadsheet.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Prairie Eco-Thrifter

JANUARY 19, 2015

Take advantage of free money. Take advantage of these opportunities and save the free money. Two Thanksgivings ago, I took advantage of Capital One 360’s promotion to get $100 when you open a savings account and get another $100 when you open a checking account. But, that was just more money for my savings account.

Money 100

Money 2015 Emergency Fund Bills 100

Penny Pinchin' Mom

MAY 1, 2024

You certainly do not want to return home to a stack of credit card bills you can’t pay. You’ve paid to belong, so take full advantage of your membership perks. Know your budget Before you even think about planning your vacation, you need to have a budget. And, you need to stick to it.

Vacation 40

Vacation Budgeting Budget Airfare 40

Prairie Eco-Thrifter

FEBRUARY 3, 2016

No, we won’t put that on the credit card and pay for it later. Teach them to take advantage of the time value of saving. Credit cards require maturity. If you use your credit card for most purchases, make sure your children see you paying them off each month! Of course we misused those cards!

Work 100

Work Kids Bank Banking 100

For the Mommas

DECEMBER 13, 2014

If you’d like to become Target REDcard holder, then sign up for a debit or credit card here. Also take advantage of this FREE Soda for Target REDcard Holders Sale that ends today!! You can save on brands like Mossimo Supply Co., 101 Deals of Christmas Hot Deals Target'

Target 63

Target Credit Cards Soda Advantage 63

Prairie Eco-Thrifter

SEPTEMBER 25, 2014

I’ve gotten into the habit of logging on to my bank account and credit card accounts when I first wake up and open the computer. Knowing what your balances are (ie, how much you have in your account or owe on your credit card) is key to intuitively knowing when you may need to be a bit more frugal.

Making 192

Making Emergency Fund Saving Debt 192

Prairie Eco-Thrifter

JUNE 14, 2012

” CCS presents Savvy Credit Card Use: Track Your Spending posted at Credit Card Smarts , saying, “A big key to using your credit card wisely is tracking your credit card spending. Financial Planning Odysseas presents Forget Your ATM Card? Not so today.

Money 124

Money 2012 June Credit Cards 124

Prairie Eco-Thrifter

NOVEMBER 25, 2012

By throwing my spare cash at my high interest credit card debt, I would be saving money by reducing the amount of interest I would have to pay. This tactic will generally work best with high interest debts like credit cards rather than lower interest loans like mortgages. A dollar saved, as they say, is a dollar earned.

Money 189

Money Debt Refinancing Credit Cards 189

Couponing 101

AUGUST 31, 2019

And if you have a My Place credit card, you get 3 times the bonus points (3 points per $1.00 Whatever discounts you decide to use to take advantage of, don’t forget to make your online purchases through Ebates for up to 1.5% Also, for a limited time only, receive two $10 PLACE cash rewards on online orders of $20 or more.

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Rewards September 2019 Credit Cards 58

Savings Corner

APRIL 4, 2024

HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). Home equity lines of credit (HELOCs) and home equity loans are two similar finance tools — methods of borrowing money against the ownership stake you have in your home. HELOC: What is it?

Home 52

Home Work Debt Credit 52

Savings Corner

DECEMBER 25, 2023

The NerdWallet Home Affordability Calculator takes that major advantage into account when computing your personalized affordability factors. Monthly obligations you may have, such as credit cards, car payments, student loans, groceries, utilities, insurance, etc. Credit profile. Debt and expenses.

Calculators 52

Calculators Debt Insurance Taxes 52