From the category archives:
Too many people have credit card debt! As of December, 2011, according to Capital One there was $801 billion total U.S. revolving debt. 98% is credit card debt! The total U.S. consumer debt is $2.5 trillion as of December 2011. The average credit card debt per household with credit card debt is $15,799. Just about everyone has a credit card and it is time to learn how to use it responsibly! Read More…
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Rich man, poor man is not intended to leave out women! I am really trying to examine the difference between rich and poor and help you achieve what you say is a goal. Most 18-25 year old say getting rich and becoming famous are important goals for them. I am not sure if it is limited to just that age group either! Do you want to know how to get rich? Read More…
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Have you started to shop for the holidays? Here we are again, the holidays are here and the day after Thanksgiving is the official opening of the season. A couple retail stores are talking about starting on Thanksgiving. This confirms we are a consumer oriented country! I know some of you have started already. Here are my five (5) tips for doing it well! Read More…
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Did I say I love credit cards? Yes, I did! I know that credit card companies love me. Almost every week, I used to receive credit card offers. I guess it is mutual! Credit cards are a great convenient way to pay for things you need. When used properly (paid in full every month) can be a convenient method of payment. There are many different cards such as rewards, cash back, low interest cards and more. Read More…
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If cash is king, why do we keep inventing new ways to pay for things? Mobile payments, debit cards and let’s not forget credit cards. There are a variety of credit cards such as cash back, rewards, charge cards, travel, affinity, low interest and airline to name just a few. A recent survey (Rasmussen Reports) indicates 43% of adults stopped using cash for a week. Is this the future? Read More…
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Do you need insurance? Nearly eleven (11) years ago, something happened! I was riding my bicycle on the street on a beautiful sunny southern California day. It was December, 2001, it was warm and I was on vacation. Every weekend, holiday and vacation, I ride my bicycle for exercise, a little alone time and to reduce stress in my life. It is my aerobic exercise and I love it. What happened next changed my life forever. Read More…
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The 3 B’s of Success is the second in a series of articles to help you reach your goal. What are your goals? I know you thought about it! You know, it is your dream, wish or resolution you made! Before you can get to where you want to be, you need to know where you are going. You wouldn’t get on a bus, train or plane without knowing where it was going. Read More…
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Want to start your year with a good credit score? That is an excellent idea! While you are sorting out your finances, try to start a savings plan for the future by putting money away into an ISA account. One of the main perks of an ISA account is its tax benefits. Read More…
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Term life insurance is my choice, should it be yours? We all know that life insurance is important, so it is a matter of choice which one is right for you. If you are young, healthy and expect to stay that way, term life insurance should be your choice. Does that mean, whole life insurance is out? No, but there are a few things to consider first. Read More…
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How I cut my expenses may provide some insight how to save money. Some people would call me cheap! Others may say I am frugal! I think of myself as value conscious! I hate to spend more money for something than I need to. My approach may cause you to rethink how you spend your money! Read More…
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