We constantly talk about how we need to start saving money and make wiser decisions when we are shopping. We watch extreme couponer’s fill carts with hundreds of dollars worth of groceries and other items, only to pay next to nothing as they checkout. “I can do that,” you think to yourself. “I am going […]
Well Robert, I know you tell us to pay off our credit cards every month, but do we pay them down to zero or do we leave a few dollars on there to show activity.
I like the idea of leaving a dollar or two on there. I don’t know though. I have kind of anecdotal […]
Consumers and business owners have recently been issued new, chip-enabled cards from their credit card company. Chances are, you recognized the metallic chip on the card, which might raise some questions.
What is it?
This small magnetic chip is known as EMV, which stands for Europay, Mastercard and Visa. These three companies created the new standard with […]
Financial Zombie— A term that is nearly self-explanatory. Unfortunately, we are zombies in many areas of our lives. We mindlessly sift through our phones checking on statuses, pictures and updates of all sorts. This type of zombie-ism is more of a guilty pleasure with no consequences, but the type we are going to discuss could […]
Nothing is More Scary Than Breaking Your Budget
Over time, your budget will endure many trials and tribulations. It seems that whenever you begin to budget is right around the same time that you are required to spend money. Suddenly, weddings are happening left and right and holidays are right around the corner.
It’s crazy to think […]
How Adult Kids Can Make the Most of Living With Their Parents
If you are in your twenties or early thirties there is a high possibility that you are living with roommates. There is an equally high possibility that your roommates are much older than you, go to bed at a reasonable hour during the week […]
Although many people believe that in order to build credit, you need to carry over a balance from month to month on your credit cards, that’s not the case. In fact, doing so can actually cause great harm to your credit score. Additionally, carrying over a balance each month means more charges in interest and […]
Are you a credit risk? The way that lenders determine this is your credit score. A good credit score indicates that you are financially trustworthy. Through your credit history, credit rating agencies assign you a number that is your credit score. There are many components of your credit history that will impact how they arrive […]
We all know that if we were to print out all of our receipts for the month, we may come across some disapproving purchases. Spending money on unnecessary buys can be an easy mistake to make- count all those coffee purchases, fast-food runs, and “little buys” you make and you could very well add up […]
Phone scams have become an unfortunate norm in our society. Thousands of Americans find themselves falling victim to these vultures who have created a profession out of scamming individuals. In an elaborate scheme, now dubbed the ‘Kings of Scam’, Sahil Patel ran a fraud and extortion ring out of India that claimed many U.S. victims […]