Is Automatic Bill Pay Right for You?

Prairie Eco-Thrifter

This includes financial chores like paying bills. Automatic bill pay can be a great help to many consumers who want to make sure that their payments are made on time and in full. If you travel, having automatic bill pay can relieve your mind while you are on the road. But there are some considerations associated with automatic bill pay. There are stories of billing errors with automatic payments. Strategy: Use Your Credit Card.

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Daily Frugal Tip: Read Your Bills to Save Money

Couponing 101

I can’t even tell you how many times I’ve just read the total of my bills and paid them without reading anything else on the paper. Well, this week I read my bills and saved $35! I pay my bills online so it was easy to enter the wrong amounts in the fields. Well, as you can imagine, our electric bill was much more than our water bill, so I was short on the payment. Taking 30 seconds to look over the charges on my bill saved me $35 this month!

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Free VUDU Video Credit – $3 dollars

Coupons Do Work

Free $3 VUDU Video Credit… enter code: OSCARSONVUDU2016 – this code is valid for 7 days once you’ve added it, for the first 2,000. want to cut your cable bill down ? Check out the article couponsdowork wrote about watching tv and movies free online : The post Free VUDU Video Credit – $3 dollars appeared first on Coupons Do Work! Freebies & Giveaways vudu codes vudu movie codes vudu movie credit

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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. Pay your bills on time and avoid carrying credit card balances, and you’re well on your way to an excellent score. Where Credit Scores Come From. Strategies For Building Credit.

5 Ways to Lower Your Monthly Bills

Prairie Eco-Thrifter

I myself struggled for many years paying my own bills, but have since found numerous ways to save money. To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. Start cutting back and shopping around for ways you can reduce your monthly bills so you can join me on the road to financial freedom. Believe it or not, there are lots of ways to save money, no matter how much of it you have- or don’t have.

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Yakezie Carnival – Credit Cards Edition

Prairie Eco-Thrifter

Since there seems to be so much in the news lately about credit cards- the good ones, the bad ones, the ugly ones, the fee free ones, the reward ones, the secured ones, etc. I figured I would talk about credit cards as today’s theme. With so many different options out there, a consumer really can get overwhelmed and into trouble if they don’t know their credit card basics. Funancials : Should I Cancel My Credit Card? Use Credit Cards with Caution.

Which is More Dangerous: Cash or Credit Card?

Prairie Eco-Thrifter

I got in to a debate with my friend last week about whether cash or credit card encourages it’s user to spend more money. I don’t have to worry about logging onto my bank account and paying the bill when it comes to using cash, so it removes the pain of feeling it leave my pocket twice. She was convinced that using a credit card fosters spending carelessly more than cash does, because you don’t have a physical entity to part with. Use Credit Cards with Caution.

Why I Don’t Use Credit Card Rewards Programs

Prairie Eco-Thrifter

Credit card rewards programs are no different. Many people today seem to prefer paying by credit card. An August 2013 issue of Daily Finance, in an article entitled Credit Card Debt Falling But Still Very High reported: “According to data from the Federal Reserve, as of July 2013, the average indebted household in the U.S. carries credit card debt of $15,325, although that figure is somewhat skewed by a small number of extraordinarily debt-stricken families and couples.”.

Four Crazy Credit Card Scams

Prairie Eco-Thrifter

Guest Post Author Bio: The following post comes from the NerdWallet.com team, experts in helping users find the right rewards credit cards. 4 of the Craziest Credit Card Scams. Then to top it all off, there are credit card scammers out there that are looking to get your personal information. To prevent from falling victim to one, here is some info about the most common credit card scams. Credit Card Scammers Using Jury Duty Scheme. Use Credit Cards with Caution.

Manilla – Organize Your Accounts and Bills Online for FREE!

Nicoles Nickels

Under a single password, Manilla provides customers with an automated, organized view of all of their account information, text and/or email reminders to pay bills and unlimited storage of account documents that Manilla has seamlessly retrieved for the consumer. Manilla seamlessly retrieves all your account information – current balances, previous payments, upcoming bills due – and stores it for you in one secure place. What is Manilla ?

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Find out How Brian & His Wife Paid off $109,000 in Credit Card Debt

Family Balance Sheet

It was all consumer debt spread over 5 credit cards. After trying to extend credit to finance the vacation and we were denied (best thing to ever happen to us) we realized we made too much money to be living like this and something had to change. With those principals in mind, we enrolled in a debt management program (DMP) through our local credit union and reduced our interest rates on all of our credit cards and began paying them off. The bill was paid for in cash!

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Find out how Maureen Paid off $79,540 in Credit Card & Student Loan Debt

Family Balance Sheet

in credit card debt, and an additional $28,756.17 During this time I literally worked and paid bills. I worked like a dog and paid bills. When I did this I ended cutting my cable bill in half, rewrote my car and house insurance saving me $300 per year, stopped the coffee runs, and just about eliminated my dry cleaning bill. Put bills in one place. Open all bills when they come in. Pay bills according to an established schedule.

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Free $2.00 MP3 Credit

For the Mommas

Reminder, don’t forget to grab your free credit! . Amazon is offering another FREE $2.00 MP3 Credit. To get your credit: :: Click here – Free Amazon MP3 Credit. :: Share you favorite song. :: Follow steps and $2.00 Credit will be added to your account. Upon completion of the “Share & Claim” action, a $2 MP3 credit will be automatically applied to your Amazon account. Limit one promotional credit per customer.

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Amazon: Free $2.00 MP3 Credit

For the Mommas

Amazon is offering another FREE $2.00 MP3 Credit. To get your credit: :: Click here – Free Amazon MP3 Credit. :: Share you favorite song. :: Follow steps and $2.00 Credit will be added to your account. Upon completion of the “Share & Claim” action, a $2 MP3 credit will be automatically applied to your Amazon account. Promotional credits must be redeemed by 11:59 PM PST on May 24, 2012. Limit one promotional credit per customer.

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Manilla – Free Online Account and Bill Organizer!

Nicoles Nickels

Under a single password, Manilla provides customers with an automated, organized view of all of their account information, text and/or email reminders to pay bills and unlimited storage of account documents that Manilla has seamlessly retrieved for the consumer. Manilla seamlessly retrieves all your account information – current balances, previous payments, upcoming bills due – and stores it for you in one secure place. What is Manilla ?

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Find out how Anna paid off $23,605 in college, personal loans, and credit cards.

Family Balance Sheet

It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. Aaron writes out the checks for the bills every month, I negotiate lower rates for things as needed, and we both put a certain amount into a joint account to buy things for the household and for Henry. The post Find out how Anna paid off $23,605 in college, personal loans, and credit cards. Today’s Debt Free Story is from Anna.

Reminder: Free $2.00 MP3 Credit

For the Mommas

Reminder, don’t forget to grab your free credit! . Amazon is offering another FREE $2.00 MP3 Credit. To get your credit: :: Click here – Free Amazon MP3 Credit. :: Share you favorite song. :: Follow steps and $2.00 Credit will be added to your account. Upon completion of the “Share & Claim” action, a $2 MP3 credit will be automatically applied to your Amazon account. Limit one promotional credit per customer.

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The Gotcha’s of Gas Credit Cards

Prairie Eco-Thrifter

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. But no matter what rewards a credit card offers, he urges anyone that doesn’t pay their balance in full each month to avoid them completely! Related posts: Use Credit Cards with Caution. Use Credit Cards with Caution.

Monitor Your Credit During the Holidays with FREE Credit Score Check

For the Mommas

FREE Credit Score Check. As many of us are shopping this holiday season, we will pull out our credit card over and over again to make the purchase. I tend to use only my credit card instead of debit card when shopping online, and use it a lot. It is very easy to do, but often times I forget to keep tabs on my credit card. To keep your credit clean during the holiday season: Closely and frequently monitor your credit for changes. Pay your bill on time.

Four Frugal Things (and a fail!)

The Frugal Girl

Oddly, our health insurance began showing Sonia as ineligible for her allergy shot serum (from the allergy office) and her allergy shot appointments at the pediatrician, so we got two bills in the mail. A water bill fail. I submitted an $80 contact lens rebate.

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Our History with Credit Cards & Switching to Cash

Family Balance Sheet

He has successfully inspired thousands of people to a life free of credit cards and debt. It just seemed easier to us to carry and use credit cards versus cash. But Dave Ramsey and Financial Peace University challenged us to think about credit cards & cash differently. He will now need to bring me receipts immediately after a purchase rather than wait until the credit card bill was due. Do you use credit cards or cash?

Why a Credit Card Is Just As Important to Overseas Travel as Luggage

Prairie Eco-Thrifter

Guest Post Author Bio: By Odysseas Papadimitriou, CEO of Card Hub, an online marketplace for cards ranging from business credit cards for new businesses to secured credit cards. Like a plane, boat, passport or luggage, a credit card is important to any trip overseas. First of all, credit cards help you save given that Visa and MasterCard automatically provide some of the best exchange rates available to consumers. How to Use a Credit Card to Save the World.

Amazon $5.00 off $25.00 Back to School Credit

For the Mommas

pon completion of the “Share & Claim” action, a $5 off $25 or more promotional credit will be automatically applied to your Amazon account. Promotional credits must be redeemed by 11:59 PM PST on Thursday, August 22, 2013. This promotion is available to customers located and with billing addresses in the United States. Limit one promotional credit per customer. Head over here to claim a $5.00 off $25.00 Back to School Coupon from Amazon.

Amazon Coupon: $5.00 off $25.00 Back to School Credit

For the Mommas

pon completion of the “Share & Claim” action, a $5 off $25 or more promotional credit will be automatically applied to your Amazon account. Promotional credits must be redeemed by 11:59 PM PST on Thursday, August 22, 2013. This promotion is available to customers located and with billing addresses in the United States. Limit one promotional credit per customer. Head over here to claim a $5.00 off $25.00 Back to School Coupon from Amazon.

American Express | $25 Statement Credit J. Crew Purchase

For the Mommas

American Express | $25 Statement Credit. American Express | $25 Statement Credit, Are you an American Express cardholder? Crew , you will receive a one-time statement credit of $25.00. Make sure you receive a reply from @Amexsynch to ensure you receive your credit. Limit 1 statement credit per American Express Card across all American Express offer channels. Statement credit may be reversed if qualifying purchase is returned/cancelled.

Amazon: Free $2.00 Instant Video Credit | FREE Movie Rentals

For the Mommas

I love these free credits from Amazon. Instant Video Credit from Amazon. Free Amazon Video Credit. Be sure to check out these movie rentals – that will be totally free after this credit: The Adventures of Tin Tin (loved it!). Promotional credits must be redeemed by 11:59 PM PST on May 29, 2012. Amazon Instant Video is available to customers located and with billing addresses in the United States. Limit one promotional credit per customer.

Amazon: Free $2.00 Instant Video Credit | FREE Movie Rentals

For the Mommas

I love these free credits from Amazon. Instant Video Credit from Amazon. Free Amazon Video Credit. Be sure to check out these movie rentals – that will be totally free after this credit: The Adventures of Tin Tin (loved it!). Promotional credits must be redeemed by 11:59 PM PST on May 29, 2012. Amazon Instant Video is available to customers located and with billing addresses in the United States. Limit one promotional credit per customer.

How to Use a Credit Card to Save the World

Prairie Eco-Thrifter

And because the little things things in life can really add up, let’s look at how you can help to save the world using one tiny everyday thing: your credit card. How A Credit Card Could Reduce Your Carbon Footprint. Can something as small as using a credit card on everyday purchases help the environment? Using a credit card can help save trees by removing the need to use paper. Also when you are out making purchases on your credit, decline a receipt if possible.

Credit Card Rules You Should Live By

For the Mommas

Credit Card Rules You Should Live By. Ah, the credit card. Instantly you learned why your parents warned you about credit cards. Now that you’re older, even if you have a steady income there are still some credit card rules to live by. Pay your bill on time or early every month. Late payments ruin your credit score as well, making it difficult to get loans for things you really need a car or a home. Pull out that handy credit card.

Find Out Your Credit Score for FREE & Make Smart Financial Decisions

Saving Cents With Sense

Do you know what your credit score is? You should because your credit score can help you save money. With good credit, you can qualify for special financing, reduced down payments or smaller monthly installments. When you are looking to get a car, a house, home or school loads, or borrow money or any other reason, your credit score makes a huge impact. My husband and I have worked to keep our credit clean, so we can have the best credit scores possible.

Amazon: Free $2.00 Instant Video Credit | FREE Movie Rentals

For the Mommas

Instant Video Credit from Amazon. Free Amazon Video Credit. Promotional credits must be redeemed by 11:59 PM PST on May 29, 2012. Amazon Instant Video is available to customers located and with billing addresses in the United States. You must have an Amazon.com account and accept the Amazon Instant Video Service Terms of Use to redeem your credit. Limit one promotional credit per customer. Just a quick Reminder: Head over here to get your free $2.00

Saving Tips & Free Crediting Monitoring

For the Mommas

If you achieve it, nothing happens, but if you don’t achieve it, the site will charge your credit card and donate money to a charity whose cause you hate. One of the easiest and most overlooked ways to spend less is by re-evaluating your debt and improving your credit score. Consumers with better credit scores have better interest rates. Credit Sesame has found that 1 in 3 Americans are overpaying $541 a month on their loans.

FREE Credit Score & Analysis From Credit Sesame (No Credit Card Require & No Strings Attached!)

Saving Everyday

You get your FREE Credit Score & Analysis from CreditSesame – I did this and can confirm that it’s totally free! I needed NO credit card, signed up for NO free trial and easily got mine and my husband’s scores in minutes ~. It’s imperative to check your credit report at least once a year to correct errors and detect unauthorized activity. I was SHOCKED to see a bill showing late AND unpaid from when I was hospitalized in FL last year!

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FREE $25 Credit When You Purchase $75 at Amazon with American Express

Couponing 101

You can get a $25 credit when you purchase $75 or more at Amazon.com with your American Express card ! The $25 statement credit will appear on your billing statement within 90 days after 12/31/13. FREE $25 Credit When You Purchase $75 at Amazon with American Express is a post from Couponing 101. Wow, this sounds like a really great deal if you have an American Express card.

Financial Literacy Activities for Kids

Penny Pinchin' Mom

If you haven’t started teaching your little ones about stocks and bonds or the difference between a credit union and a bank, don’t worry! Trace out different coins and bills on a piece of paper and have your little ones decorate the money.

Enter to Win $250 for Back to School + Free Credit Report

For the Mommas

You can get a totally free credit report (thru Experian and enter to win $250.00). Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential. You’ll get your free credit score month after month, and be able to manage your loans, all in one place.

Music Minute: Frank Myers - If Every Day Could Be Christmas

Motherhood Moments

With many #1 award-winning songs to his credit, Grammy award winning songwriter, artist and producer, Frank Myers , recently released “ If Every Day Could Be Christmas.”

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Top 3 Reasons To Compare Personal Loans Online

Prairie Eco-Thrifter

When faced with a financial emergency it can seem like an impossible task to better your finances, especially when it comes to paying off bills and other important surprise payments. With several lenders providing you with a variety of APR’s based on the credit score that you have at the time of applying for the loan. It is important to note that the better your credit score is, the lower the APR on your loan will be. Research Can Limit The Impact On Your Credit Score.

Why You Should Teach Kids About Money

Penny Pinchin' Mom

To buy groceries, get gas, pay bills, and shop online. Credit . It would be a true disservice to your child to release her into the world without understanding the concept of credit and how to properly use credit cards. Get more: Teaching teens and kids about credit cards.

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iBotta $5 Credit Ends Today | Don’t miss it!

Saving Cents With Sense

The iBotta iPhone App is completely FREE and another great way to save on your grocery bill! Read more about the iBotta App and how you can get your FREE $5 Credit today! The post iBotta $5 Credit Ends Today | Don’t miss it! Just a reminder, today is the last day to take advantage of the $5 Share the Love Promotion from iBotta ! You have to get your receipts submitted by 3 PM EST (Noon PST).

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Enter To Win $250 & Get A Free Credit Report!!

Saving Everyday

Get a free credit score & chance to win $250 ~. Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential. You’ll get your free credit score month after month, and be able to manage your loans, all in one place. What does Credit Sesame do? Go to Credit Sesame.

Enter to Win $250 for Back to School + Free Credit Report

For the Mommas

You can get a totally free credit report (thru Experian and enter to win $250.00). Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential. You’ll get your free credit score month after month, and be able to manage your loans, all in one place.

Six Eco-friendly Ways to Save Money for You and Your Family

Prairie Eco-Thrifter

Energy efficient tax credits. While there have been some rollbacks on tax credits and deductions for energy efficient investments to your home, many still apply. For instance, there are still credits and deductions for the installation of solar panels, energy efficient water heaters, heat pumps, and windows. Upgrading your home to be energy efficient cuts down on utility bills drastically, if not eliminating those bills entirely, with solar panels.

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