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Negative Items That Can Easily Be Removed from Your Credit Report

21 Dec, 2017 / Comments:Comments Off on Negative Items That Can Easily Be Removed from Your Credit Report / By Jennifer Hamilton

Your credit report is like your window to your financial life. A bad credit score can hurt you in more ways than you think. Suddenly getting a loan is difficult, insurance companies might frown upon you, and even getting into a school or getting a job could bring more hurdles than you ever imagined. Luckily, there are a few simple ways to easily remove negative items from your credit report, making it possible to boost your score and give yourself a better financial picture. Withdraw your Authorized

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How to Host Thanksgiving Dinner for Less Than $30

20 Dec, 2017 / Comments:Comments Off on How to Host Thanksgiving Dinner for Less Than $30 / By Jennifer Hamilton

When you are on a tight budget, Thanksgiving can be a stressful time. After all, the price of food seems just to be going up. However, you can put together a delicious Thanksgiving dinner for $30 or less just by using some of these ingenious cooking tips. We’ve come up with nine tips to host a wonderful Thanksgiving meal full of cheer and spending time with your loved ones while still staying within your budget. Here are nine ways to spend $30 or less on your Thanksgiving meal. Use Canned and Boxed

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Small Things That Can Wreck Your Credit Score

01 Dec, 2017 / Comments:Comments Off on Small Things That Can Wreck Your Credit Score / By Jennifer Hamilton

Figuring out how your credit score works can be a little tricky. This is especially the case if you’re not aware of all the ways you can harm it, especially the small ways that can still impact your credit score in a big way. Your credit report not only contains your credit card activity, but also many different financial activities. Here are five small things that can hurt your credit score. Cancelling a Credit Card When you cancel a credit card account it doesn’t harm your credit score by itself,

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Strategies for Changing Your Money Blueprint

03 Nov, 2017 / Comments:Comments Off on Strategies for Changing Your Money Blueprint / By Jennifer Hamilton

Changing your money blueprint is actually very simple. All you need to do is change your beliefs when it comes to money. Additionally, you have to change the way you think about people who are well off and the way that you believe it affects your relationship with others and yourself. Once your beliefs about money change, you’ll find that your understanding of finance comes much easier. Here are six strategies to use to change your money blueprint. Remain Balanced at All Times It is crucial that

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Questions to Ask Yourself Before Saying Yes to Store Credit Cards

13 Oct, 2017 / Comments:Comments Off on Questions to Ask Yourself Before Saying Yes to Store Credit Cards / By Jennifer Hamilton

It’s a common occurrence to hear the question “do you want to save 15% off your items today?” when shopping at any major retail store. This typically is a way of enticing you to apply for a store credit card. Although retailers want you to make a split-second decision, in reality obtaining a store credit card warrants some thought. There are many things you need to take into account when deciding whether or not a store credit card will benefit your finances. Here are five questions to ask

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Most Awkward Money Situations Between Friends

12 Oct, 2017 / Comments:Comments Off on Most Awkward Money Situations Between Friends / By Jennifer Hamilton

It is often said that money and friends do not mix well, and this certainly seems to be the case. No matter how close you are, a friendship can be tested when a loan goes unpaid or when an activity does not match everyone’s budgets. It seems as though you and your friends can talk about almost anything, so why does it get awkward when the topic of money is brought up? Here are seven awkward money situations that are common with friends and how to fix them. Friend Discounts That Go Awry Mixing friends

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Simple Ways to Lessen the Burden of Student Loan Debt

07 Aug, 2017 / Comments:Comments Off on Simple Ways to Lessen the Burden of Student Loan Debt / By Jennifer Hamilton

As you change out your book bag for a briefcase and prepare to enter into the real world, a harsh reality will hit—you must pay back your student loans. On top of this, more people than ever before earn a college degree, and so sticking out from the crowd is becoming increasingly difficult. On average, those who take out loans for their undergraduate degree are in debt by $29,400. Although the government has attempted to address the rising problem of student debt through debt forgiveness and borrowing

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Creative Ways to Finance Home Repairs

23 Jul, 2017 / Comments:Comments Off on Creative Ways to Finance Home Repairs / By Jennifer Hamilton

Home repairs are a great way to enhance the look and function of your home, but they can get costly! There are certainly a plethora of loans out there just begging for your business, but do you want to get in over your head in debt just to fix some things around the house? If you are doing large repairs/remodeling, it can be even more expensive and debt inducing. Rather than jumping in headfirst with a home equity or even personal loan, consider these simple ways to get the money you need. Sell Items

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Eliminating Debt Using the Snowball Method

04 Jul, 2017 / Comments:Comments Off on Eliminating Debt Using the Snowball Method / By Jennifer Hamilton

Remember when you were a young kid and at the first site of snow you went outside to roll a snowball? Any snowball crafter knew they had to first make a smaller, tight ball and then roll it throughout the yard so that their snowball would get massive in a short period of time. Well, the debt snowball method is much the same. The idea of this system is only to make minimum payments on your debt and then focus your efforts on one single payment at a time. This prevents your efforts from being so diluted

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Things You Should Know About Balance Transfers

17 Jun, 2017 / Comments:Comments Off on Things You Should Know About Balance Transfers / By Jennifer Hamilton

Balance transfers have a way of tempting you into obtaining another credit card. They provide lucrative terms and free up your available credit on another credit card. Before you jump on the next great offer that you think you found, you should know these 6 things about balance transfers. Balance Transfers are not Free More often than not, there are fees that are tied into the balance transfer. This means that even if you are getting a 0 percent interest rate on your transfer, there is still going

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