New Year, New Budget: Questions to Answer in 2023

November 22, 2022

With the new year closing in, now’s the time to review your budget over the past year. This allows you to determine what’s working, what’s not, and what types of changes you need to make in the months to come.  There’s a good chance that a budget review will lead you to make various changes. That’s why it’s so important to conduct a review before the new year arrives. Here are some of the questions you should set out to
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Credit Card Spending: Have You Answered These Questions?

November 15, 2022

A credit card is one of the most commonly used financial tools. There are many benefits, ranging from convenience to the ability to earn reward points. Conversely, there are some risks, such as overspending or using your credit card on items that you don’t really need. If you have any concerns about your credit card spending, now’s the time to take action. Waiting and hoping for the best is a risk you don’t want to take. It puts your entire
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How to Manage Credit Card Spending During the Holidays

October 30, 2022

There’s a lot to spend money on during the holiday season. From gifts to holiday meals to travel, it’ll seem like there’s no end to the spending. Unfortunately, when the holidays are in the past, your credit card statement will show you the true damage of your spending. If you want to avoid the shock of a large credit card bill this upcoming January, it’s important to implement a plan to manage your spending during the holidays. It’s the steps
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Credit Spotlight: Milestone® Mastercard®

October 15, 2022

There was a time when a challenging credit history would stop you dead in your tracks. While bad credit or no credit isn’t your desire, things happen in your life that can lead you down this path. Fortunately, there are more credit card products available today than ever before — many of which are designed for individuals in your situation. Apply Now The Milestone® Mastercard® is designed for people with poor credit or no credit history. It’s not the type
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Credit Spotlight: Zebit – Buy Now & Pay Over Time

October 8, 2022

There may come a time when you need to make a purchase that you can’t afford to pay for in full. In this case, you may turn your immediate attention to a credit card. While that’s an option, don’t get ahead of yourself. Instead, learn more about Zebit. Zebit is an online marketplace with “buy now and pay over time” options. It’s similar to using a credit card as you don’t need all the money for the purchase upfront. It’s
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Can You Trim These Expenses From Your Monthly Budget?

September 25, 2022

On a high level, it’s easy to look at your monthly budget and assume that there’s nothing you can trim. Your first thought is that every expense is legitimate. And while you may be right, there’s a greater chance that you’re wrong. Here are five expenses that you may be able to trim from your monthly budget. Even saving a few dollars in each category is worthwhile. It all adds up in the end. 1. Entertainment How much money do
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Call Your Credit Card Company to Ask These Questions

September 10, 2022

Maybe you’re satisfied with your credit card company. Maybe you feel like it’s time to make a change. Or perhaps you simply want to learn more about your card and what it has to offer. No matter your situation, it makes good sense to get on the phone with a representative to clear the air. Here are some of the most common questions to ask your credit card company: 1. Do I qualify for a higher credit limit? This may
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What are the Benefits of Using a Debit Card?

August 20, 2022

It doesn’t matter if you have access to a credit card or not, it’s important to understand the benefits of using a debit card. You may come to realize that relying on this form of payment is the way to go in the future.  So, what are the benefits of using a debit card? Keep reading to find out. 1. No late fees With a credit card, you’ll always have a minimum payment due on a specific day of the
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Have You Created Your 2022 Holiday Gift Budget?

August 10, 2022

While the holiday season is still a few months away, it’s never too soon to create your gift budget. With this, you’ll have a clear idea of what you can afford to spend on every person on your list. But without it, you could find yourself overspending — and that’s sure to throw your finances into disarray as the year comes to an end. Here are five questions to answer if you’re in the process of creating your holiday gift
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Should You Keep Cash at Home?

July 30, 2022

The idea of keeping cash at home sounds like a good one, but you must be careful. Too much cash on hand is never a good idea as there are risks such as theft, fire damage, and flood damage — and that’s just the start. If you’re wondering how much cash to keep at home — or if this is a good idea at all — here are five questions to address: 1. Where will you keep the cash? This
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Where to Put Your Money as Inflation Surges

July 20, 2022

With inflation surging and uncertainty growing, it’s natural if you have questions and concerns about where to put your money. While there are many options available to you, some are better than others. Here are five ideas to consider in the days, weeks, and months to come. 1. Cash Should you save all your money as cash? Of course not. While there are benefits of stocking away money in a high-yield savings account, you don’t want to marry yourself to
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Did You Know You Can Request Credit Card Relief?

July 10, 2022

You don’t plan to run up a credit card balance that you can’t manage, but you never know what the future will bring. So, if you find yourself bogged down by credit card debt, you must implement a plan for digging your way out.  Your credit card issuer is under no obligation to provide relief, but most companies are willing to hear you out and look into ways to assist you. After all, they’d rather you pay back the money
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How to Improve Your Credit Score (Top 6 Tips)

July 5, 2022

In the United States, your credit score and report are major factors in determining your interest rate on auto loans and home loans. They also affect what type of loan product you can get. If the score’s too low, you may not be able to obtain a mortgage unless you apply for a “hard money loan” and are willing to pay high interest rates. If the score is less than 620, you may have to get an FHA loan with
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Credit Spotlight: Kikoff

June 30, 2022

Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time. Start Here Kikoff addresses three key factors that determine 80 percent of your credit score: 1. Payment history  We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment
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Credit Spotlight: Revvi Card

June 25, 2022

Are you on the hunt for a Visa credit card? Are you only interested in those with a rewards program?  If you answered yes to these questions and have less than perfect credit, the Revvi Card could be perfect for you. Let’s take a closer look at what the Revvi Card has to offer and how to get started. Apply Now Applying for the Revvi Card  As noted above, the Revvi Card is a “real” Visa. There’s no gimmick here.
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Answer These Questions to Find the Best Rewards Credit Card

June 7, 2022

Here’s some advice: if you’re going to use a credit card, use one that gives you something in return. The best optoin is a rewards credit card. This allows you to earn points for every dollar you spend. You can then redeem them for cash back, travel, gift cards, and more. As you begin your search for a rewards credit card, you’ll soon realize that there are hundreds of offers. Your goal is to narrow your options. Shoot for three
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Credit Card Grace Period: Everything You Need to Know

May 25, 2022

There are many terms associated with credit cards that you need to understand. And that’s especially true among those that could cost you money at some point. Understanding the ins and outs of a grace period could work in your favor if you lose track of your balance and/or when your next payment is due. Note: if you want to learn more about a grace period as it applies to your account, it’s best to contact your credit card company
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The Benefits of Using a Credit Card When Traveling

May 13, 2022

There’s a lot to think about when traveling, so it’s easy to overlook the manner in which you’ll make purchases when away from home. You have many options, but using a credit card should be at the top of your list.  Here are some of the top benefits of using a credit card when traveling.  1. A credit card is safer You take a much bigger risk when traveling with cash. Not only are you a bigger target for people
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Credit Spotlight: PenFed Power Cash Rewards Visa Signature® Card

April 21, 2022

With so many cash back rewards credit cards to choose from, it’s often difficult to find the one that suits your many requirements. However, some offers have it all. And the PenFed Power Cash Rewards Visa Signature® Card is one of them. Most people want a rewards credit card that has their best interests in mind across the board, not just in regards to the reward program. Here’s what you get with the PenFed Power Cash Rewards Visa Signature® Card:
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Things You Can Negotiate With Your Credit Card Company

April 11, 2022

Many people overlook the fact that they can negotiate with their credit card companies. It’s not something that you’ll do regularly, but there are unique situations when it makes sense to take action. Here are just a few of the many things that you can negotiate: 1. Fees There are many types of fees associated with using a credit card. For example, your card may have an annual fee. If you’re unsure that you want to pay this fee the
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