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A man cutting up his credit cards.

Reducing Credit Card DebtMany of us use a credit card for online purchases, bill pay, or when we go out so we have some fraud protection. Throw in a major auto repair or medical expense and it can be easy to start running a balance. It's easy to feel resigned to being in debt but with proper planning you can get your credit cards under control.

 

Woman paying grocer with cash

How to Save Money By Paying With CashThis is a page about how to save money by paying with cash. There are numerous benefits to not purchasing items on credit. We are surrounded by constant incentives to use credit, but just avoiding interest fees help you save money.

 

A computer screen with a debt repayment calculator.

Struggling with my Small BudgetI have been working hard on my credit score. I had bad vision up until yesterday when I got my glasses. I was able to read the fine print on some bills. I went to read the billing statements and found the interest rates horrible.

 

pile of credit cards

Dreams Come True with a Credit CardAfter my son moved across the country, I worried how we/they could afford to visit regularly. I signed up for two credit cards that offered flyer miles for a total of 4 round free trip flights and we enjoyed regular visits!

 

Cat chasing a dollar.

Getting The Most Out Of Your Credit Card RewardsMost credit cards today offer a rewards program. If you use your credit cards routinely, you should check to find out if you have some rewards available. Log in to your credit card account or check your statement to see if you have rewards points.

 

Credit card machine spitting out cash.

Think of Using Credit as Spending MoneyOne trap that many of us fall into is thinking about spending money and using credit as different, when both affect our monthly budget. We may buy something on credit that we would never consider paying cash for.

 

A stack of credit cards.

Do I Need to Insure My Credit Cards?Calls to a credit card company often involve a brief speech offering various services affiliated with the card. Accumulating debt is bad enough, but paying interest on the debt and then paying to insure that debt is a poor financial decision.

 

Reporting Errors on Your Credit Card Bills

Reporting Errors on Your Credit Card BillsHow many of us notice errors on our credit card bills? If you're like most people, you look at the total amount due, and you scan the companies that placed charges on your account.

 

Close up of Credit Card

Simply Debt FreeThe average American credit card debt is over $5,100. While it may not seem like it, this balance is manageable. Within three yeas it can easily be paid off provided that new charges are not added to the debt.

 

Credit Card Close-up

Is It Really Priceless?No matter what MasterCard executives want you to believe, those scenarios presented in their television advertisements are not priceless; in fact, they're quite expensive. The ads ask an array of appraisal questions all ending with the same answer - priceless.

 

Store CreditThe scenario is familiar. At the check out counter of the local department store, the clerk asks if you would like to apply for the store's credit card. As a reward for signing, you receive an instant discount in the amount of 10% or even 15%. Do you sign on?

 

Swiping a credit card through a machine.

When Things Aren't On SaleThere is a time when things aren't on sale-no matter what the store sign says, what's written on the price tag, or how much the cashier actually charges. When is this? When you pay with your charge card.

 

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