Shopping for a credit card can be an eye-opening experience. There are so many cards out there with so many perks and benefits. It is truly a tough decision when deciding what’s going to be in your wallet. In hopes of narrowing things down a little, we are going to compare two specific cards: Visa Signature vs Visa Platinum. There are five things you need
Understanding Your Credit Card Options
If you are seeking a new credit card, you may not be aware of every option open to you. Essentially, your options are defined by your credit rating, if you have one. You will get better offers for excellent and good credit, and you can expect to pay higher APRs (annual percentage rates) of interest on it when you have fair credit, you are a
The Power of Setting SMART Goals for Money Management
Goals are the fuel that drives many toward success. What type of goals, however, are the most effective when it comes to finances? Let’s take a look at a few SMART goals for money management and you can decide for yourself. What are SMART goals? Although I don’t know the exact origin, I first heard about SMART goals from virtual mentor and thought leader, Michael
This Powerful Lesson Can Keep You from Saving Too Little for Emergencies
“How much should I save for emergencies?” That is a question I hear frequently in the personal finance world. There is no one-size-fits-all answer, but saving too little for emergencies is a dangerous risk you’d do well to avoid. Even the best and most disciplined financial gurus say so. In this article, I interviewed Emilie Burke, a personal finance, career, and wellness blogger at BurkeDoes.com.
8 Simple Money Challenges That Will Beef Up Your Savings
One of the greatest ways you can boost your finances is to set a solid, measurable goal. That is especially true when it comes to saving money. Therefore, I’ve compiled this comprehensive list of simple money challenges that can propel you into greater financial freedom. 8 Simple Money Challenges That Will Beef Up Your Savings First, you need to know why you’re saving. Establishing that
4 Phrases to Avoid That Ignite Money Fights In Marriage
Money is the #1 cause of stress in a relationship, according to a survey released by SunTrust Bank. Divorces occur every day due to money fights in marriage. Since money will be a part of every relationship, throughout its entirety, let’s install a solid defense system against those damaging phrases that could ignite conflict. Instead of sharing what you could say to your significant other about
7 Simple Debt Payoff Strategies You Can Use Today to Smash Debt
Ever play Angry Birds? There is something so gratifying about watching those pudgy birds smash into a crumbling fortress, isn’t there? That got me thinking, it’s too bad debt payoff strategies can’t be as effective. Or can they? Not everyone can light some TNT under their tower of debt and incinerate it. Now that would be a popular app. It takes much more time, patience, and hard work
Why It’s Important to Know Your Credit Score
As the famous advert will tell you, years ago the decision on whether or not you would receive credit was in the hands of a bank manager or a high street lender – a simpler time. Now, everything the lender needs to know in order to make their decision is available to them thanks to the Credit Score system. You might think that you aren’t
5 Ways to Motivate Yourself On a Debt Free Journey
My debt free journey looked very similar to a mudslide until 2011. I was recently married and a graduate of Financial Peace University. The tools in that class helped my husband and I gain traction, change some habits, live on less, and pay off debt faster. In November of 2012, we conquered our final credit card payment and stared at one another in shock. “Did
How to Prepare for a Loss of Income – Sudden or Expected
Losing a job is ranked among the top 10 most stressful things a person can face, according to the Holmes and Rahe Stress scale. With that in mind, is it even possible to prepare for a loss of income in order to lessen the stress it’s sure to cause? Yes. Whether you face a sudden or expected loss of income, there are steps you can