LATEST ARTICLES

The Costs of Owning a Car

You have a good job and you are getting a decent income. You feel independent and happy that you are actually accumulating more money than you are actually...

10 Tips for Fixing your Shopping Addiction

Addiction is the cancer of the mind! From gambling to shopping addiction! There are many kinds of addictions that can surely destroy a person's life, especially if that...

How to Fix Unmanageable Debt

It is not a pretty sight to see debt collectors knocking on your door, calling you day and night, taking your car away, or even seizing your home. What...

Top 4 Bad Credit Habits

Buying items you can't afford This is a no-brainer. People usually use credit to buy things because they don't have cash on the spot. Not a problem if you...

How to Erase Bad Credit

Let's say that you suddenly lose your job or have some kind of accident causing some kind of unexpected medical expense. You handled the unexpected road bump well...

Discount for not Using a Credit Card?

The Typical Credit Transaction For example, if I buy an item that costs $100, the merchant is actually getting $96. This is because the merchant pays $4 if the...

Applying for a Loan

Applying for a loan should not be so difficult if you have solid credit card history. Difficulty on actually receiving a loan will depend what kind of loan you...

Tricks to Improve Credit Score

So you came here to learn some tricks to improve your credit score? Good for you! What I'm about to share with you are some common tricks that...

The Bank Point System

As stated in an earlier post, banks use some kind of point system to classify and determine whether or not you can be a good borrower. Banks understand that...

Why Banks Lend Money

Do not forget the fact that banks are businesses and make money through interests, fees, and other service charges. Banks will happily give consumers loans knowing that they...

About Getting a Secured Credit Card

For people with credit problems, a credit card called a secured credit card may be the right one for you. A secured card is a type of credit card...

Credit Cards versus Debit Cards

Credit Card vs. Debit Card Credit Card Credit cards allow you to borrow money while debit cards allow you to spend what you have in your bank account. If you're...