Prairie Eco-Thrifter

APRIL 10, 2013

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. There are stories of billing errors with automatic payments.

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Bills Credit Cards Finance Credit 271

Savings Corner

DECEMBER 25, 2023

Building credit can be tricky. If you don’t have a credit history, it’s hard to get a loan, a credit card or even an apartment. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place? The minimum and maximum amount you can deposit varies by card.

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Building Credit Credit Cards Taxes 52

The Frugal Girl

FEBRUARY 28, 2024

I feel I will never get rid of my credit card debt and I am so disappointed in myself that I let the balances get so high. If I were in your shoes, I would focus more on the process and on good habits , rather than on the ultimate goal of being free of credit card debt. Everything I do seems to make matters worse.

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Money Debt Credit Cards Goals 201

Prairie Eco-Thrifter

APRIL 13, 2011

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.

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Credit Cards Credit Debt Identity Theft 145

Prairie Eco-Thrifter

JUNE 30, 2011

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. Let’s find out.

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Credit Cards Credit Luggage Travel 169

Family Balance Sheet

APRIL 12, 2013

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. We were using the cards to earn cash back on purchases that we needed to buy any way, so we were being smart about our spending. Or so we thought.

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Credit Cards Credit Debt March 100

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.

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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. In addition, people should resolve to improve their WalletScore.

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New Year's Money Finance Debt 130

Shereen Travels Cheap

MARCH 27, 2024

Save your pennies - Yes, we all have a change jar, but I also like using an app that will hook up to my bank account and credit cards, so every time I make a purchase (or pay a bill) it rounds up to the nearest dollar - or more - and moves that difference into a savings account for you. Many times pieces are brand new.

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Money Travel Saving Money Saving 238

Family Balance Sheet

MAY 4, 2021

Yep, I found a $20 bill while running on the beach! Credit Card Cash Back Redemptions in April: $439.62. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending. in credit card points.

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April Money Credit Cards Donation 130

Savings Corner

APRIL 4, 2024

Key takeaways A HELOC allows you to access your home’s equity over a period of time — you can borrow exactly what you need as you need it, typically for lower rates than other forms of credit. However, HELOCs also have a variable rate, and the sense of a seemingly limitless credit line could make them risky for less-disciplined borrowers.

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Credit Home Debt College Tuition 40

Prairie Eco-Thrifter

FEBRUARY 21, 2011

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?

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Credit Cards Credit Used Bank 100

Family Balance Sheet

AUGUST 6, 2022

We’ve seen higher grocery and fuel bills lately, so we’re upping our frugal game to help the budget. Credit Card Cash Back Redemptions in July: $196. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but because I was trying to limit our overall spending.

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July Frugal Credit Cards Donation 130

Penny Pinchin' Mom

MARCH 11, 2024

The post Is Credit Karma Accurate? Is credit karma accurate? How far off, if at all, is it from the numbers given by any other credit reporting agency? Being credit-worthy is almost as important as being frugal. There are just some investment projects that you simply can’t finance with your savings or credit cards.

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Credit Identity Theft Monitors Finance 52

For the Mommas

JANUARY 20, 2016

Credit Card Rules You Should Live By. Ah, the credit card. That magical card of freedom. You may have gotten your first card in college, before you had any salary at all but just in time for that upcoming spring break trip: clothes, gas money, hotel…and then, one month later… BOOM! Just say no.

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Credit Cards Credit Debt Equal 40

Family Balance Sheet

APRIL 1, 2015

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. We cut up our credit cards and never used them again.

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Debt Credit Cards Debt Free Credit 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

Savings Corner

DECEMBER 24, 2023

Simply fill in your outstanding loan amounts, credit card balances and other debts. Fill in your outstanding loan amounts, credit card balances and other debts to see what your monthly payment could look like. Personal loans A personal loan is an unsecured loan that, unlike a credit card, has equal monthly payments.

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Debt Calculators Credit Cards Credit 52

Family Balance Sheet

APRIL 2, 2021

Yep, I found a $20 bill while running on the beach! Credit Card Cash Back: $175. I redeemed $175 for gift cards from our business credit card’s cashback program. We use this credit card for almost all of our business expenses and we pay it off every month.

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March Money Donation Credit Cards 130

Motherhood Moments

MARCH 4, 2023

So, when “unpleasant surprises” arise, like a car repair or medical bill, you’re confident that you have enough money set aside to cover these. on your credit card. Make smart choices with credit. Credit can be a valuable tool when used wisely, but it can also quickly lead to debt if you're not careful.

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Debt Money Building Credit Cards 130

Prairie Eco-Thrifter

SEPTEMBER 3, 2013

I would be doubtful too if someone told me that, but the truth is that it’s rather easy to do if you have a rewards credit card and work hard to maximize your earning potential with it. Here’s what I do to make sure I can take a free vacation or trip at least once a year using just my points: Use the card to pay for everything.

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Vacation Credit Cards Frugal Airline 200

Family Balance Sheet

APRIL 19, 2016

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.

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Credit Cards Debt Free College Debt 100

The Frugal Girl

NOVEMBER 27, 2023

We are privileged in that we both have good-paying jobs and have more than enough money to cover the bills. I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. I remember my mom showing me how she balanced the checkbook every month and paid bills.

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California Cars Car College 171

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. If you are committed to paying your credit card off at the end of every month so as not to incur fees and charges, consider signing up for the Upromise Mastercard.

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College Used 2020 Saving 130

Prairie Eco-Thrifter

JANUARY 18, 2019

Here are some situations that could warrant the need for quick funding: Debts Must Be Settled: For those that care about their credit score, paying off a debt means making sure that each monthly payment is made on time, and in full. Failing to do so could be detrimental to that squeaky-clean credit! Personal Line of Credit.

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Credit Cards Credit Debt Hawaii 100

Penny Pinchin' Mom

MARCH 11, 2024

Entries such as your mortgage, gas, electricity bill, and so on are essential. 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. This is when I’ve made all the mandatory payments, such as my mortgage and utility bills.

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Saving Money Money Saving Credit Cards 52

Savings Corner

DECEMBER 24, 2023

Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. You can get a personal loan from online lenders, banks and credit unions, and the funds are provided in a lump sum. If you can’t, you risk doing lasting damage to your credit.

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Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

JANUARY 28, 2014

Millions of customers had their data stolen, including credit and debit information. My credit card information was vulnerable during the PlayStation Network breach of a few years ago. Use Credit Cards. I use credit cards a lot more now. Divide Your Credit Card Use.

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Credit Cards Bank Banking Identity Theft 193

Saving Everyday

JULY 3, 2012

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 ~. Get your FREE credit score here!!

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Credit Cards Credit Bills Phones 45

For the Mommas

DECEMBER 4, 2013

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. Pay your bill on time. Get your Credit Report FREE.

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Credit Monitors Identity Theft Holiday 69

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. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. photo credit: Pixaby.

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Christmas Finds Friends And Family Sale Donation 130

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.

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Emergency Fund Credit Cards Personal Finance Finance 272

Savings Corner

APRIL 4, 2024

The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your mortgage and personal financials like your credit score and income. The interest rate you receive on a home equity loan (as with other loans) will vary depending on your lender, credit score, income and other factors.

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Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

DECEMBER 8, 2014

At the time, I didn’t have credit cards so it was a valid concern. As an adult, I use both cash and credit as well as checks. If I buy anything online, I use credit. Occasionally merchants will discount the price because they don’t have to pay the credit card fees on your purchase.

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Used Credit Cards Gasoline Consumer 180

Savings Corner

DECEMBER 27, 2023

Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. Read our review of the BankAmericard® credit card. Plus, it offers a cash sign-up bonus.

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Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

JUNE 22, 2014

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. Subtract out those checks, debits, ATM withdrawals, automatic bill payments and keep a current running balance.

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Money Mom Credit Cards Bank 217

Family Balance Sheet

DECEMBER 29, 2020

Years ago, there was a month where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. One January, we received a very large credit card bill in the mail. I am a planner by nature, so I leaned into my spreadsheets.

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Budgeting Budget Family Property Taxes 130