3 Ways to Get Cash From a 0% APR Balance Transfer Credit Card Offer

cash balance transfer credit cardZero percent balance transfer credit cards offers are back. In the past few months, I’ve talked about how to best use a balance transfer, and I’ve offered tips for how to responsibly use 0% balance transfer credit cards to get out of debt.  But there’s another way in which you can use a 0% APR balance transfer to your benefit.

Although the best use for a 0% balance transfer is to pay off an existing balance with a high annual percentage rate, you can also use the balance transfer for cash as an emergency fund, earn interest in a savings account like Capital One 360 or a money market account, or temporarily pad your bank account.  But in order to move forward with these options, you’ll have to turn that APR offer into cash. How is this done?

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7 Ways to Maximize Your Commute Time to Work

commute book readingAccording to Time Magazine, most Americans spend an hour a day commuting to and from work. When traffic is bad, however, you could end up sitting in the car for much longer. And in some parts of the country, such as West Virginia, New York and California, there are extreme commuters: people who spend three or four hours a day (or more) commuting.

That’s a lot of time. It’s time you could be using to do something to invest in yourself, start a business, or simply relax. Yes, I did just use the word relax when referring to commuting.

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Where to Buy Travel Supplies, Accessories & Toiletries on a Budget

travel suitcase packingWe all want to be prepared when we hit the road, and having the right travel gear is a big part of that picture.

I love finding ways to save on these items so that I can find better uses for my vacation dollars.

Here are my three favorite places to shop for cheap supplies, and my top picks for what to purchase once you’re there.

Dollar Stores

Travel gear for a buck? I’m all over that. I’ve had particular success at Dollar Tree, where I was actually able to get all of these at once, cutting down on time and money spent. Here’s a list of great gear I like to pick up at the dollar store.

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9 Ways to Save Money on Music Lessons For Kids & Adults

piano music lessonsWhile many people may not agree on musical tastes and favorite instruments, I think it’s safe to say that most still have a strong affinity for music, in some capacity – even if it’s just browsing free music listening and sharing websites.

It’s human nature to enjoy sounds coming together harmoniously, and further, music is actually good for you. Learning to express yourself musically can increase brain development, improve memorization, develop fine motor skills, and enhance problem solving skills. Music benefits the young and old alike.

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How to Detect, Test For, and Get Rid of Mold In Your Home – Beware of Mold Exposure Symptoms

moldy brick wallThanks to the efforts many Americans have been making to tighten up their homes and appliances, homes are more energy efficient than ever. Not only does this movement benefit the environment, but it also benefits people’s pocketbooks as well.

However, there’s one gray lining to this silver cloud: ultra-sealed, environmentally friendly homes are seeing an increase in mold.

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5 Auto Car Insurance Discounts For Good Drivers

car woman driverAuto insurance companies use statistics to predict a driver’s likelihood of getting into a car accident, and then set their rates accordingly. However, if you know what you’re doing, there are a variety of ways a good driver can get steep discounts on car insurance coverage. When you’re dealing with insurance companies, perception is the most important aspect of scoring a good rate.

Though it’s impossible to say that speeding and running a red light occasionally won’t happen at all, there are still a host of ways that you can save money on your car insurance by coming across as a more conscientious driver.

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Why Stop Receiving Junk Mail? 4 Types of Junk Mail I Actually Like Getting

junk mail boxIn another recent article here on Money Crashers, we offered some suggestions on how to opt out and get less junk mail coming to your house. You can even use websites like Catalog Choice to stop junk mail. I think the reasons for blocking junk mail are sound, and probably smart, except… well, I like junk mail.

I’m also the guy who likes to watch infomercials and listen to the full spiel of telemarketers when I have time. I have yet to participate in a telemarketer’s pitch or fall for an infomercial deal, but I still enjoy hearing what they have to say. Similarly, my dad has a hobby of trying to get telemarketers to hang up on him by asking all kinds of questions they can’t answer about the product. Maybe it’s one of those weird genetic things.

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The Real Cost of Using Credit Cards – Other Than Interest Rates, APR & Annual Fees

upset woman credit cardsFor many people, credit card debt becomes just another burden they feel they have to bear. They become complacent, continuing to carry balances throughout their working lives, and into retirement.

How do you get to the point where credit card debt is just a fact of life? One answer to this question lies in the bills themselves.

When carrying debt, most people look at the obvious numbers to determine what they’re paying to maintain them. The basic arithmetic of interest rates and annual fees can lull you into a false sense of security. If you never look beyond these numbers, you never have to face the true impact your debt is having on your life.

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Top 6 Places to Buy Natural Green Organic Cleaning Products & Supplies

organic cleaning productsThe word “organic” is typically synonymous with “expensive.” Organic cleaning products are no exception, often costing more than twice their traditional counterparts.

But I have allergies, and after reading about the upper respiratory problems that can come from breathing in bleach and formaldehyde in regular household cleaning products, I didn’t want to subject myself to unhealthy chemicals anymore. Plus, I like knowing that green cleaning won’t poison fish, pollute water sources, or put my household pets in danger.

So, what’s a frugal girl to do? Find ways to get organic cleaning products for cheap. Turns out it’s easy, if you know where to look.

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Debit & Credit Card Skimming Fraud – How to Avoid Card Skimming Devices

credit card scam skimmingI can vividly remember the day last summer when my wife and I were walking into a movie at the theater when I received a phone call from an unknown number.

I decided to listen to the voice message before we went in for the show. As I heard the words “your bank account has suspicious activity on it,” I got a little worried but figured Bank of America simply didn’t like one of the transactions we had made earlier.  So, I quickly took a look at our checking account transactions on the Bank of America iPhone app. That’s when my stomach shot up into my throat and my heart started racing. I saw two $1,000 deductions from our account for a shady sounding website that we definitely didn’t buy anything from. Our bank account had been compromised, and we were devastated.

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