What does it take to be financially healthy in 2020? If you ask a consumer credit expert or someone at the Consumer Financial Protection Bureau, the advice may have a lot to do with the timing of your payments and not just how much you are able to pay and save in the new year. Buying A Car In 2020 If you plan to buy a car in the new year, staying financially healthy means not only shopping for the best new car or used car deal you can find. It … [Read more...]
Credit Report Correction: How Long Does It Take?
How long does it take to correct your credit report? Unfortunately, the answer may depend on what kinds of corrections may be needed. According to the Federal Trade Commission (FTC), the Fair Credit Reporting Act requires credit agencies to respond to you over complaints of erroneous, incomplete, outdated, or inaccurate information. According to the FTC, “To take advantage of all your rights under this law, contact the credit reporting company … [Read more...]
How To Recover From Holiday Spending
Holiday spending is stressful, and many Americans overextend their credit cards, take credit card cash advances, and apply for new credit during their holiday shopping. How can you recover from all of the money you spent on Christmas presents or similar shopping “obligations”? The Simple Start: New Year Austerity Measures? Some people cannot afford to spend much after the holiday season, others choose not to purchase. No matter whether you’re … [Read more...]
How Does Zero Percent Interest Work?
I have an ancient mattress. It's about 16 years old. General wisdom says you should replace a mattress every 10 years, and I can definitely tell it's past time on this one. I've been lusting after a Sleep Number mattress for years after sleeping on one at a family member's house, but haven't been able to pull the trigger on the money. Finally after a weekend away at a hotel where I slept wonderfully, I decided it was time. Conveniently, … [Read more...]
Saving Money On Travel
What are your favorite tricks you use when you’re interested in saving money on travel? There are many ways to travel affordably if you know how and where to look. Do Your Cheap Travel Homework There are a variety of pricing trends in the travel industry and it’s impossible to keep up with them all. The best thing you can do is to aggressively compare offers for cheap flights, hotel discounts, and rental car deals. When you look at … [Read more...]