Savings Corner

DECEMBER 24, 2023

Since many cardholders with excellent credit are eager to earn rewards, a key criteria for a card’s inclusion in our list is whether it offers impressive rewards value. This includes a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

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Credit Cards Credit December Calculators 40

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. Since I don’t know any details about your financial situation, I can’t give you any specific ideas about how not to keep making things worse, but I can try to answer the focus question.

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Money Debt Credit Cards Goals 205

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

Prairie Eco-Thrifter

DECEMBER 17, 2013

I’ve noticed a trend lately in the blogosphere of bloggers pushing rewards credit cards to travel for free. Most people have a credit card and why not get some free travel for using it? If you travel more than once per year, typically you won’t be able to churn credit cards to get that many free trips anyway.

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Credit Cards Travel Credit Hotel 194

Prairie Eco-Thrifter

APRIL 21, 2011

Of course there are a bazillion different techniques to save money on food – and credit card rewards are one of the least effective ways – but regardless, I still wanted to take a moment to discuss them. National Grocery Store-Affiliated Credit Cards. Some grocery store chains issue their own credit card.

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Credit Cards Credit Groceries Grocery 164

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

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

For the Mommas

NOVEMBER 6, 2021

Try Products for FREE & Give Your Thoughts! This company gives you the chance to try hundreds of products from brands who want reviews from consumers like you. All you need to do is sign up (no credit card is required) and request FREE products to try and review. Here is an amazing offer for all the freebie hunters!

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Giving Credit Cards Consumer Credit 59

Prairie Eco-Thrifter

FEBRUARY 2, 2014

In addition to stealing credit card numbers , Target now admits that thieves were able to also get people’s names, mailing addresses, e-mail addresses, and phone numbers. If you prefer to use credit cards for the convenience as well as the credit card rewards, you may instead choose to freeze your credit.

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Identity Theft Credit Freezers Credit Cards 228

freestuff.tv

MARCH 11, 2013

Credit Sesame is a 100% free personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy!

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Credit Personal Finance Credit Cards Finance 138

Family Balance Sheet

MAY 4, 2021

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. However, once we paid off all of that debt, I started playing the credit card game.

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April Money Credit Cards Donation 130

Penny Pinchin' Mom

MARCH 11, 2024

The post Is Credit Karma Accurate? Is credit karma accurate? Is it giving you the same kind of numbers your potential lenders will see whenever you try to apply for a loan? 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.

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Credit Identity Theft Monitors Finance 52

freestuff.tv

MAY 11, 2013

Credit Sesame is a 100% free personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy! Manage Your Money'

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Credit Personal Finance Credit Cards Finance 122

Prairie Eco-Thrifter

MAY 25, 2014

The money advice I would give a younger version of myself falls into two categories: “What were you thinking?” Or put yet another trip to Las Vegas on the credit card. My rewards credit cards were feeble, and I didn’t have a plan for using them. However, I wasn’t maximizing my resources.

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Money Giving Las Vegas Credit Card Rewards 209

The Frugal Girl

NOVEMBER 21, 2023

And because I am a member of CVS’s pharmacy rewards, I get a $5 credit for every 10 prescriptions I fill there. ” I dunno if he realized I am only a student nurse (maybe he gives free drinks to anyone in scrubs?) This $0 prescription triggered a $5 reward, so yay! but I thought that was a kind gesture.

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Frugal Copiers Credit Drinks 221

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

JUNE 12, 2016

When it comes to borrowing money, having bad credit can limit your options. If you are in need of money and don’t have the time to go through a credit check, there are other ways you can get access to cash. In most all cases you can get loans with no credit check from your friends and family. Credit Card Cash Advances.

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Credit Money Credit Cards Bank 124

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.

Credit 40

Credit Home Debt College Tuition 40

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. I ended up having to give myself a small $20 monthly allowance to spend on, with, or for Aaron because the Spending Fast was causing so much tension. How long did it take you? I paid off $23,605.10

Credit Cards 100

Credit Cards Debt Free College Debt 100

Coupons Do Work

AUGUST 5, 2016

Amex gift card – promo 5% bonus to August 31, 2016 (previously 3%). Consider if the 5% bonus for a gift card is preferable to direct cash that you can then use for spend with bonus credit cards. prohibit cards with service fees, so these ones will receive a different card with no service fee.

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Giving Gift Cards GNC Credit 100

Motherhood Moments

JANUARY 11, 2023

Children are especially vulnerable to a new form of identity theft – synthetic – which now makes up 85 percent of cases and means thieves use combinations of real and fake information to take out loans, get credit cards, purchase cars, collect unemployment, and much more. And it’s grown 233 percent over five years. Often, they do not.

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Identity Theft Parenting Unemployment Credit Cards 130

Motherhood Moments

MARCH 4, 2023

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. If you do decide to use your credit card or apply for a loan, make sure you're only borrowing what you can afford to repay.

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Debt Money Building Credit Cards 130

The Frugal Girl

JANUARY 23, 2024

And of course, I used a gift card from my Erie YourTurn rewards to pay for the remaining 50%, so this was $0 out of pocket. I love it when I can stretch my gift cards! I give the revamp a 10/10. Sooo, when I need to press the easy button at some point this semester, I’ve got a little Panera cash waiting for me.

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Frugal Starbucks Hawaii Gift Cards 184

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

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?

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Bills Credit Cards Finance Credit 271

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. Teach tennis lessons.

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Christmas Finds Friends And Family Sale Donation 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. It’s a pretty typical rewards card and the airline ones do just about the same. Pay recurring bills with the card. Would you believe me?

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Vacation Credit Cards Frugal Airline 200

Motherhood Moments

JANUARY 24, 2023

They will either give you a fixed-rate or adjustable-rate loan , and the difference will determine whether you pay the same amount going forward or if your payment could change. The lower your credit score, the more you may end up paying monthly. First, check your credit report for potential errors.

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Money Home Real Estate Warranties 130

Family Balance Sheet

OCTOBER 14, 2014

Since the underlying theme of this series is planning and budgeting, today’s assignment is to create a gift giving fund. Download another budget (but save under a different name) for your other yearly gift giving. Gift giving isn’t just a December sport. We need to plan for gift giving all year long.

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Finance Giving Organic Organization 100

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. But most people can’t go wrong with these award-winners.

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Credit Cards Credit December Airline 52

Family Balance Sheet

MARCH 23, 2020

No credit card is required. Your credit card will be charged at the end of the trial. A credit card is required, so a fter the free trial, the monthly fee is only $8.99 The list is impressive and is a mix of education, entertainment, and general-interest titles. Are you a member of Amazon Prime? Any device.

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Credit Cards Zoo Museum Education 162

Penny Pinchin' Mom

JANUARY 16, 2024

Automate Your Contributions This is something I have decided to do with my kids: as soon as anyone turns 18, I’m going to give them $500 as a start-up investment in their Roth IRA. Pay Attention to Interest Rates Did you know that 82% of all Americans have a credit card, and 61% of them have credit card debt?

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Personal Finance Finance Tips Finance Mom 52

freestuff.tv

OCTOBER 19, 2011

So today, get your credit card out and donate to World Vision Australia and have your donation matched. Some 13 million people in the Horn of Africa are suffering due to drought and massively inflated food prices. This great offer finishes end of November.

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Giving Donation Unemployment Economical 109

Savings Corner

DECEMBER 25, 2023

Say your home is valued at $200,000 and your mortgage balance is $100,000, giving you $100,000 of equity in your home. Cash-out refinances are helpful with major expenses, because you generally can borrow much more than you could with a personal loan or by using credit cards. Cons of a cash-out refinance Foreclosure risk.

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Refinancing Debt Credit Cards College Tuition 52

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. Go Generic This is a trick our mothers used to save money and still give us what we needed at home. What I do is use my credit cards in conjunction with cash back apps.

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Saving Money Money Saving Credit Cards 52

The Frugal Girl

NOVEMBER 22, 2023

I am also very curious if service people receive 100% of the tips given via credit cards and apps. I know I’ve heard the argument that goes like, “Tipping ensures that people are motivated to give you good service.” What is considered a good tip? Do you reward for service in advance?

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Good Service At&T Food and Drink Restaurant 195

Prairie Eco-Thrifter

JULY 9, 2013

I learned that if I worked, I earned and therefore could save, spend or give my own money. Another thing that, according to the National Foundation for Credit Counseling (NFCC), happens in childhood that affects our adult finances is that we learn from the financial behavior of our parents. His lesson learned: “Avoid credit card debt.

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Used Parenting Credit Cards Debt 228