Credit Card Woes
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With the new legislation passed by Congress taking effect soon that will limit the rates and fee increases that credit card companies can charge, many companies are making last minute changes to their cards. Keep an eye on your statement for July and August to see if there have been any changes to your rates [...]
Discharge of Debt – Cutting my Credit Card Bills
There are many companies out there offering ways to reduce credit card debt. While this sounds like a great idea, you need to get more details. After all, if it sounds too good to be true, it probably is. What these companies are not likely to tell you is that they usually reduce your income [...]
Alternative ways to pay for Christmas
Many stores are touting their layaway plans this year as well as store credit cards. While these are both ok options, I prefer to stay away from credit cards and thus avoid the temptation to overspend. So this year, instead of throwing Christmas on your credit cards or putting something on layaway, check out these [...]
Life without credit cards using a savings account
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While credit cards seem to be an American staple, something that is seen as a “need” rather than a “want” – you don’t have to live on the roller coaster of credit if you don’t want to. A savings account is the best way to avoid the credit card trap. I know how difficult it [...]