My eBook is Coming Soon!
I’m writing an eBook to follow up, and combine, an article I wrote on WiseBread.com and my credit score post. I will most likely have it up within the next couple of days (I’m ahead of schedule!) and will be open to constructive criticism. Please check back this weekend, or early next week and download it. My goal is to eventually offer it for a minimum price. However, I will want to make sure it’s as helpful as possible, and pertinent. Stay...
Read MoreLife on Credit, It’s not all bad…
This is a follow up, and somewhat contrasting, post to my most recent post, Life Before Credit. Thanks to Susan Tiner at Financial Organizing for sending me a link that described life in American throughout most of our 200 years of democracy, much of which has been created on borrowed money or credit. American Radio Works wrote a whole series on the American Dream and the fundamentals of what that stands for, mostly something different to everyone. But fundamentally it’s the idea of self...
Read MoreLife Before Credit
When I was a young adult, my life was financially simple: Work, make money, pay the bills. It was a simple 3-step cycle. I did have a couple of credit cards, cards that I received the month I graduated high school. But I was terrified to use them. A little voice inside my head told me that if I couldn’t afford it at that moment, then I wouldn’t be able to afford it a month from now. For many years, that little voice stayed with me and kept me firmly grounded to my 3-step...
Read MoreRewards for Debits
I couldn’t really think of a catchy title for this post, however I wanted to touch upon why I use my debit card as a credit card most of the time. There are just as many pros as there are cons to using a debit card versus an actual credit card, but I use my debit card the majority of the time because it’s just easier for me in the long run. One reason I use my debit card is that I earn reward points when I press the “credit” button instead of entering my PIN at a store...
Read MoreWhat would you pay for credit?
While browsing articles on MSN.com, I came across a startling fact; a particular credit card company will be offering some of their cards at a 79.9% interest rates. This new rate is in response to the new credit card laws going into effect next year. As appalling as a 79.9% interest rate credit card may seem, I wasn’t as flabbergasted by the rate when I found out who was offering it: First Premier Bank. First, let me begin by saying that I’ve known about First Premier Bank for a...
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