How to Refuse Lending Money to Family & Friends
One of the most awkward things I have ever had to do was to ask a relative for money. I was about to graduate college, broke but debt free, and I desperately needed a car. So I asked a relative to…
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Should I Sell My Car to Get Out of Debt & Pay Off Bills?
How strong is your desire to get out of debt? What are you willing to give up, sell, or live without in order to meet that dream head on? Would you be inclined to sell your beloved car in order…
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Does Closing a Credit Card Account Hurt Your Credit Score?
When I was younger, I tried to close my unused credit card accounts to boost my credit score. I never carried a balance, but I thought if I had too many credit cards, I wouldn’t be eligible for new lines…
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Why Most Americans Should Not Use Credit Cards
When people fall on hard times, they react to their new reality by taking a far more cautious approach to their personal finances, which includes turning towards other methods of payment for their daily spending. Although many people rely on…
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What Is Your State of Credit? – Report from Experian
People have different credit scores, depending on how they manage their money. But did you know that credit ratings vary dramatically from city to city? That is the conclusion reached in a new report from Experian, one of the largest…
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What Is CoreScore – New Credit Report From CoreLogic
In the world of consumer credit scoring, there’s always something new, more “accurate,” and even more intrusive than the credit reporting that has preceded it. One of the latest attempts to delve into consumer behaviors and reduce them to a…
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14 Best Credit Card Perks & Benefits You Never Knew You Had
I have a love-hate relationship with my credit cards. I can understand how they can be very tempting for shopaholics to use – especially those on a tight budget – because they’re a convenient way to pay without making the psychological commitment required…
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Live Credit Smart – Generational Credit Trends Report From Experian
Have you ever wondered how different generations handle their finances? Experian, one of the largest credit agencies, took a look at the credit scores of millions of Americans of different age groups as well as what kind of debts they…
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How to Stop Being Jealous About Money
Have you ever looked at another person’s life and wished that their clothes, their cars, and their vacations could be yours? It’s not uncommon, and I’ll admit that I’ve fallen prey to money envy. When my husband and I first…
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6 Signs That You’re Carrying Too Much Debt
Many financial experts report that the average household carries at least $10,000 in credit card debt. In addition to this debt, many people take out upside down car loans and overextend themselves on home purchases. While debt is generally an unfortunate…
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