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Ways to Build Credit Without Relying Solely on Credit Cards

Prairie Eco-Thrifter

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. Where Credit Scores Come From. Payments – 35%.

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Money tips from Mom

Prairie Eco-Thrifter

You can’t always count on credit cards or checks being accepted. My son whipped out his credit card to pay for their meal and was stopped cold when he found out the place didn’t take credit. Know how much you have and make sure that you and the bank agree on that amount. Know what you have.

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7 of the Best Money-Making Apps of 2024

Savings Corner

For online purchases, you shop through the app or with the Ibotta browser extension on your computer. Payment: PayPal, digital gift card or direct to a bank account. The fee is deducted from your balance, not your bank account. If you forget and make your purchase outside of the app, you can’t get credit retroactively.

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6 Ways to Earn $600 and More Before This Christmas

Coupons Do Work

Since I do not use a credit card anymore (and read recently that banks are in debt due to too much credit cards out there), why not start saving now, with these easy tips : Want more frugal tips/ articles/ DIY stuff? Banks will pay you for a new account! They switch banks. that means, money!

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Stay Organized To Keep Your Information Secure

Prairie Eco-Thrifter

If certain employees require remote access to your organization’s computer system, ensure they can only gain access after providing a username and password. Encrypt sensitive and private data such as client’s credit card details. To start with, encrypt the hard drives in your computers. Encrypt Data.

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8 Ways to Prevent Identity Theft

Prairie Eco-Thrifter

Never disclose your personal information such as a bank account number in an email. Don’t disclose your credit card number to an online vendor unless it is encrypted and the site is secure. Don’t ever write your Social Insurance Number or telephone number on cheques or credit card receipts.

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How to Make a Habit of Saving

Prairie Eco-Thrifter

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.

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