Making Solid Decisions With Your Life and Your Money
Tuesday September 2nd 2014
Money Matters: Tips from the Federal Trade Commission

‘Managing Your Debt’ Archives

Where to find great budget forms

If you are looking for a great way to start a budget, you will find thousands of tips and forms on the web, but one of the best tools a fellow daily money manager suggested comes from the Dave Ramsey website. Ramsey has several forms you can use, either print them out or use the online budget tool he has available.  The printouts he has [...]

Ramping up on Student Credit Card Offers

When I went to college back in the 90’s, I remember going to class and there would be tables set up in front of the school building. Credit card representatives had set up shop and were offering free T-shirts, water bottles, stuffed animals, bookbags, pens and anything they could in an effort to entice students to sign up for the credit cards [...]

Ways to Control Your Holiday Spending

Overspending and the holidays seem to go hand in hand, but it doesn’t and shouldn’t have to be that way. I know, I know, we want to show the people we love that we care by giving them thoughtful and sometimes expensive gifts. However, we have to remember that once the holidays are over, we are the ones stuck with a credit card bill we can [...]

How Many Credit Cards Should You Carry?

How Many Credit Cards Should You Carry?

This story was originally published by on May 15, 2012 Ever wonder if there are a right number of credit cards you should have? Or better yet, at what point does carrying too many credit cards affect your credit? Several experts weigh in on this issue. The Experts John Ulzheimer President of Consumer Education at [...]

Cutting down debt!

I paid my student loan today. I submitted my last payment and have never felt such a sense of pride. After finishing school in 2005, I quietly and persistently chopped away at that tree of debt. Making sure that my expenses were kept low and being careful to not accumulate more debt, I consistently sent payments in monthly and more recently [...]

Lower your credit card rate

Lower your credit card rate

I called my Citi credit card company today to inquire about a charge. I also took the opportunity to ask for an interest rate decrease. I wanted to give it a try and see if it would work, I mean after all I’ve been a loyal customer with Citi for 14 years. Citibank is my credit card company. The representative I spoke to said she would put in a [...]

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