Monthly Archives: April 2013

9 Situations When Credit Cards Make Life Easier

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Many of us use credit cards simply because it’s more convenient than carrying and using cash, especially for large purchases or splitting the restaurant bill. Rewards provide an extra incentive for many cardholders, too. In some cases, credit cards go beyond basic convenience and become a near necessity with clear advantages over using cash. Hereread more

The Frugal Lifestyle: How to Balance Cheap and Spendy

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Frugality is often misunderstood. Some lump it together with being “cheap,” as in leaving small tips or stealing packets of ketchup. Others take the term to the opposite extreme by “saving” money by choosing the $20,000 new car instead of the $30,000 model. While “frugal” is a subjective term, acting frugal falls perfectly in the middleread more

8 Tips for Avoiding Mortgage Mistakes

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Buying a home involves a lot of moving parts: dealing with brokers, lawyers, inspectors, homeowners, paperwork, deeds, and more. Top it all off with the most important piece of the whole process: closing on a mortgage. Mortgages are one of the most complex and significant documents you’ll ever sign. They likely involve the biggest purchaseread more

How Student Loans Affect Your Credit Score

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According to FinAid.org, total student loan debt in the U.S. tops $1 trillion — and counting. Average loan debt for a student in the class of 2011 was just shy of $23,000. While grads work on paying off their debt, there’s a bright side for those who do so responsibly. The potential reward: a betterread more

9 Hidden Credit Card Tricks Revealed

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Credit cards are advertised with their benefits prominently displayed while fees, rates, and other catches are buried in the fine print. Some of the biggest credit card tricks aren’t found in the fine print at all. They’re really just clever marketing that can make an offer sound better than it really is. Here’s the lowdownread more