Got dirty credit cards?

January 2, 2010

Until this very moment I’ve never heard of  “dirty credit cards”.
It was introduced to me by author Bob Sullivan in an article at Consumerist.com titled:
“How To Save Money Using A Clean Credit Card”
He advises keeping only one credit card for new charges.  Your main goal is to get that one paid off every month without [...]

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Beware the FREE CD…

January 1, 2010

Lately, if I spend any time in the car with the radio on I will hear an advertisement commanding me to “call and request a your FREE CD”.
These ads run year-round but pick up steam this time of year.
I remember one time I must have been listening to a radio station with an older demographic [...]

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Christmas shopping with fake money?

December 31, 2009

Sounds fun and you could do something like it next year but the sooner you start the better.
Carrie Kirby writes on Wisebread.com about her strategy for paying for Christmas gifts using various reward point programs.
You can read her entire post at:
http://www.wisebread.com/i-went-christmas-shopping-with-fake-money
She readily admits:
“All these little rebates and such don’t seem much when they trickle in. [...]

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More reasons to check your statements carefully

December 30, 2009

If you have to admire the credit card companies for anything, it’s their creativity.  We should all be so creative!
Tamara E. Holmes writes about some of the new creativity at:
http://finance.yahoo.com/banking-budgeting/article/108488/credit-new-fees-escape-card-act-rules-surprise-consumers?mod=bb-creditcards
Among the most interesting new fees are:
“Minimum finance charges can be greater
than the amount of interest owed. As a
result, if a consumer owes only $0.50 in
interest, [...]

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Yup. Credit card debt is your fault

December 29, 2009

Harsh words to some but the absolute truth.
“This may be uncomfortable but it’s time for your credit card debt intervention. There are three words that you should know about your credit card debt that could very well change your entire outlook on your debt. These three words are not always easy to swallow but as [...]

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Gift Card Smarts

December 23, 2009

GIFT CARD SMARTS
 
Tis the season…for gift cards.
Some may scoff at them as “not very creative”
 (that’s one of the nicer descriptions)  but they
are quick and easy and always the perfect size.
Unfortunately, a high percentage go unused
every year.  Most probably because they are
forgotten or misplaced.  In some cases it’s
because the recipient can’t use it.
Make sure grandma has an [...]

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