Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
There is a war raging with regard to which type of plastic to use: debit or credit. While many like cash, it can be inconvenient to carry around large amounts of cash, not to mention dangerous if you happen to have your wallet or purse stolen. Plastic on the other hand has a small footprint, while giving you a chance to protect your money if anything is ever lost.
For those who prefer cash, it seems as though debit is the obvious choice, since the money comes straight out of a checking account, and no interest is charged. It is also nice that you do not need a qualifying credit score to get a debit card. However, there are times when it might be better to use a credit card. Here are some considerations when it comes to debit vs. credit: [ continue reading… ]
After a successful trial run that boosted home sales and brought buyers back to the table, the government has extended the $8,000 first-time home buyers tax credit through June 2010.
Now it’s not just first-timers who are benefiting — the president also signed off on a new $6,500 tax credit for existing homeowners who purchase a new primary residence.
Combined, the dueling tax credits may help spur even greater growth in the housing market, real estate experts say. [ continue reading… ]
Whether we like it or not, having a credit card is essential to a consumer like salt is to food. Many experts tell you that over usage is bad, but life just sucks without it.
But what about those interest rates? With credit easing a little bit and the economy strengthening, the once dependable method of lowering interest rates is working again. Here, we outline the steps to lower the interest rates on your credit cards (for those of you who don’t currently own 0% balance transfer credit cards) so you can substantially lower your monthly payments each and every month. [ continue reading… ]
When I set out to write this post, I was going to talk about different ways to make more money but why talk general when I can take a more focused approach and share with you what people do online specifically? I live and breath the Internet these days, so when I ask you to take some time to make more money, I’m thinking about some of these as suggestions. [ continue reading… ]
While researching on 0% balance transfer credit cards the other day, I accidentally found out that many people actually search for 0% balance transfer for life credit cards. My first reaction was “come on, really? There’s no way anyone in the right mind would offer this.”
But the curious side of me took over and decided to take a look. Sure enough, Chase offered select customers 0% balance transfer for life in 2003. It came with rules though. You must pay the minimum balance every single month, and you must make a minimum of two purchases every billing cycle. Failure to do so and your rate will rocket back up to normal levels. [ continue reading… ]
Cruising has become an immensely popular way to get away and see a little bit of somewhere new. Cruises provide food, lodging and entertainment all in one place while taking you out into the ocean; a perfect vacation if it weren’t for the price. Luckily, there are some easy ways to cut your costs if you plan ahead and know what to look for. [ continue reading… ]
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