I’m changing my credit card method one more time. This time should hopefully be the last…unless I get a better card in the future. I’ve written about the way I use my credit cards...
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You can use credit cards responsibly by following a few simple tips. Many people are afraid of using credit cards. They see them as some evil tool that will ruin you financially. Yet others, like...
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The Ally CashBack Visa Signature card is finally in my hands! If you don’t know what that is then read on for more details. I received an invitation in the mail to apply for the card. I was...
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Is revolving balances on a credit card a good idea or a bad idea? I was recently talking to someone who believed that it was a great idea to have revolving balances on a credit card. His rationale...
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Today I had to make the decision of Cash or Card. I am not talking about how to pay for something since I always use a card so that I can get the cash back. I also use my card exclusively in case I...
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I have a Discover card that gives cash back in the form of the Discover Cashback bonus. I love this card because even though the categories rotate, you can get 5% cash back from purchases in...
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I am making money off my friends and they don’t seem to have a problem with it. I have two friends who are in my degree program and should know a lot more about the best ways to manage their...
Read MoreThose of you who use Capital One Credit cards will be pleased to know that Capital One now offers credit score monitoring. Look out for a banner at the top of your account when you log in. To access your credit score all you have to do is click where it says Start Tracking Now. You will then be taken to a page that tracks your...
Read MoreSo one of my credit cards just informed me that I have a new lower credit card rate for purchases. The original rate was 17.99% and they have now graciously lowered it to 13.99%. I never pay attention to the rates on my credit cards because those only matter if you carry a balance from month to month. While the drop of 4...
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I love it when I can actually redeem the points I earn from using my credit cards, and get something useful. I use my Discover gift card to buy gas because I get extra points there and sometimes I...
Read MoreI had my students pull up their credit report for an assignment a few monthss ago and they were supposed to write a report on what they found. One of my students got a very unpleasant experience when he pulled up his report because he found out that someone had been using his personal information to get credit accounts set up....
Read MoreWhen I decided to have a rolling budget for the entire year of 2013 I did not anticipate the problems that were potentially associated with such a venture. I previously had my budget set up in Mint and it would reset the categories every month. I also kept a spreadsheet where I could enter my receipts on a daily basis and...
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