Finding a job can be challenging, and once you got a good one, it is important to keep it. Sometimes employees forget that even though you got hired, you can be terminated just as fast. Therefore, look at the first 90 days on the job as an extension to your interview. Work hard and prove...
Going back to school brings stress to families on many levels, especially when it comes to the finances. Parents of multiple children feel it the most, when supply lists arrive and it all gets overwhelming. The first place to start the shopping at is actually your home, because you must have many supplies left over...
Spending and shopping is fun, but having money aside and financial security feels so much better! Check out our three quick tips below, so you can go back to the right financial path: 1. When in need of a gift for a birthday or a baby shower, make your own instead of buying. It will...
It may be nice to have a deep credit limit, but if you feel that it makes you overspend, you should reduce it. The way to go about it is to contact you credit provider and ask to reduce it. Furthermore, credit card issuers are not allowed to send you invitations to increase your credit...
There can be times when paying bills on time seems impossible, and times when it truly is. In order to keep things from getting even worse it is important to contact your lenders and explain your situation. They will be able to give you advice about how to move forward and hopefully offer a payment...
Credit Counseling Agency can offer professional advice with a free initial session on topics with high importance to your life. One example is general budgeting session, where you will go over your financial life, including income, expenses and financial goals. Another example is housing counseling, where you will talk about managing the cost of housing...
When buying a vehicle, some prefer to use their credit card for the down payment or a portion of the sale, but there is a limit to how much you can pay. Many auto dealers put a limit on how much a buyer can put on a credit card from several reasons. First, because they...
It is recommended to take the time once a year to check your credit report. You can request a free copy from each of the nationwide consumer credit reporting companies—Equifax®, Experian®, and TransUnion®. Remember that your credit score is not part of the report, and you can check it separately. It is important to go...
Finance experts say that you can use your credit card as a way to monitor your budget and spendings. This method will work well to those people who are certain that they are able to pay their bills in the end of the month, as you don’t want to get yourself into trouble by getting...
Having a short credit history is not helpful when you need to apply for a loan or take a mortgage. Some people have no credit card at all, and then no history when they need it or asked about that. It takes about three to six months from the time you start using a credit...
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