Holiday Gift Guide For Your
Money-Conscious Friend

BLOG---Smart-Shopping---Gift-Guide-for-the-Thrifty-Friend

They’re known by a variety of names (some more flattering than others): money-savvy, thrifty, cheap. They inspire you to make a budget, they frustrate you by never picking up the check, and they puzzle you when it comes holiday gifting. What do you buy for the person who hates spending? We can help.       1. I Will Teach You To Be Rich Ramit Sethi provides a no-frill approach to financial fitness. The book includes a 6-week plan for getting your finances in shape including sections on banking, saving, budgeting and investing. It’s the perfect gift for someone who’s just starting his/her financial journey and is looking to do a full overhaul.   2. Envelope system wallet To the extreme budgeter in your life, the envelope system is a sacred ritual. … [Read more...]

Black Friday Shopping the Smart Way

BLOG---Smart-Shopping---Black-Friday-Guide

Another Black Friday is upon us. This year some retailers are electing to open their doors to the inaugural waves of holiday season shoppers as early as 6:00 am Thanksgiving morning. Don’t be surprised if in the near future the sheer gravitational force of Black Friday pulls the entire Gregorian calendar a full day ahead.   While every year the holiday shopping season seems to be getting an incremental head start on the holiday season itself, one thing always remains the same: if you want to make it to the new year with your financial health (and sanity) intact, you’ll have to be smart about how you shop.   Here’s your guide to smartly and safely navigating this year’s Black Friday landscape.   Shopping online? Shop safe. Good news! Getting the best … [Read more...]

Word on the web: Prepare to shop!

blog-word-on-the-web

  Holiday shopping season is here! Unfortunately, this is also the season of broken budgets, dwindled savings accounts, data breaches and identity theft. We should be enjoying the festivities instead of wallowing in anxiety over the best way to cross off every item on your shopping list. To help you shop smart this season, we’ve rounded up some of the best blogs on the web about data breaches, holiday shopping and more.   5 Ways to Protect Yourself from Credit Card Data Breaches Hackers steal and use all types of identity information including email addresses, passwords, Social Security numbers and more.  But the easiest piece of information for hackers to leverage immediately is credit card numbers. Learn how to protect your accounts with these 5 steps from Wise … [Read more...]

Your holiday shopping credit card guide

BLOG-Your-Holiday-Shopping-Credit-Card-Guide

The end of Halloween can only mean one thing: It’s time to start thinking about holiday shopping. Sure, all the merriment and festivities are fun. But let’s be honest, the holidays also have a tendency to strain your budget, rack up credit and cause financial stress.     This year, try to do things differently. Plan ahead and optimize your spending. Having the right credit card for your shopping goals is a good place to start. Here are a few questions to ask yourself.     Do you already have credit card debt? Consolidate and pay cash. If you already have credit card debt that you’re struggling to pay off, then don’t even consider adding to the problem. It’s not worth it. Your goal this holiday season is to spend responsibly and stay in budget. Find … [Read more...]

How Credit Impacts Your Insurance

BLOG-How-Credit-Impacts-Your-Insurance

There are a lot of misconceptions out there about how credit scores are used and in what scenarios they are used. Employment? Nope. College admission? Nope. Insurance? Actually, yes. Well, sort of.   When determining what rates to offer you, your auto and home insurance provider may pull a “credit-based insurance score” that is based on or considers a person’s credit history and may use that score along with other factors that are of interest to an insurance company when evaluating your request for an insurance policy. These scores are different than the FICO Scores you know and love because they are generated to predict insurance risk instead of credit risk. Because of this, the algorithm behind FICO credit-based insurance scores considers credit information factors … [Read more...]

4 Tips for a budget-friendly work week

BLOG - 4 Tips for a Budget Friendly Work Week

Saving a healthy budget is a lot different than actually sticking to a healthy budget. It’s a lot like dieting in that way. I know I shouldn’t eat that cookie, but it looks SO GOOD.  If you really want to stick to that 300-line spreadsheet you spent hours perfecting (or maybe you simply opted to spend 10 minutes in a budgeting app… still counts!), you’ve got to break unhealthy habits, make changes and start disciplining yourself. The cushy savings account you accumulate will be worth the hard work. I promise.     Although a challenging work week can often distract your from overspending, the stress can backfire and result in splurge decisions and breaking budget.  Don’t cave in. Take these three tips to make sure you stick to your budget—at least from Monday to … [Read more...]

Revolving vs. installment credit: Which type of credit is best for you?

BLOG - Revolving vs Installment credit - Which credit is right for you

  With the economy recovering, consumers are slowly starting to gain more confidence. Many people are beginning to think about expenditures they have been holding off on as they felt less confident about the economy.  You know … getting that roof repaired that has been on the “fix it” list for a while, trading in that 10-year-old car or finally taking a “real” vacation instead of the “stay-cations” you’ve had over the past several years.     While some people will leverage their savings to fund these expenditures, others may want access to new credit.  If you are in this position and plan on applying for credit, now is the time to think through options and determine which is the best fit for your profile and needs. Here’s a few things you should do … [Read more...]

5 Personal Finance Tips for Millennials

BLOG-Personal-Finance-Tips-for-Millennials

So people keep calling you a millennial (some say it with a nicer tone than others). Amongst a variety of other defining characteristics, you have the unique (albeit unwelcomed) experience of graduating into a recession. Cons? Lower starting salaries and a lack of options. Pros? You’ve seen what irresponsible money management can do and you don’t want to make the same mistakes.     You’re also a victim of the tuition bubble, burdened with hefty student loan payments and a 30-year payoff plan that might as well be a mortgage. Now before you get out the violin, keep in mind that your generation is also relentlessly optimistic, savvy and smart, making you a force to be reckoned with in the workplace (conceal your ego though, please). If nothing else, we can assume your … [Read more...]

5 Things to Do Before You Go House Hunting

blog-5-things-to-do-before-you-go-house-hunting

Looking for your first home to buy is an exciting time in anybody’s life.  It’s also a very daunting process, after all this is likely to be the biggest purchasing decision you’ll make in your entire life (no pressure). Avoid the most common mistakes made by first-home buyers with these five steps.     1. Get a copy of your credit report from all three credit bureaus and check for errors You can get a free copy of your report from TransUnion, Equifax and Experian once per year for free from the government endorsed site annualcreditreport.com. Before you start looking for houses it's vital you check all three of these reports for any errors. An error on your credit report could affect your chances for being approved for a loan or the rate of interest a … [Read more...]

Cash, Credit or Bitcoin—which payment option do you choose?

BLOG-Cash-Credit-or-Bitcoin

While it is unlikely your local grocery store is currently accepting payment in bitcoin, you may have heard of this new emerging form of currency and may be wondering what is it; how does it work; and should you have some bitcoin stashed in your wallet?     Bitcoin is a new form of currency created in 2009 that only exists in digital format. At its core, bitcoin functions like other payment forms—you can purchase goods online or offline using your bitcoins as long as the seller accepts that form of payment. At present, not that many entities take payment in the form of bitcoin (coinmap.org is attempting to track physical locations that accept the currency), and people are likely buying bitcoins more as an investment with hopes they’ll go up in value over … [Read more...]

Disclaimer: This content is not provided or commissioned by a credit card issuer. Opinions expressed here are the author's alone, not those of a credit card issuer, and have not been reviewed, approved or otherwise endorsed by a credit card issuer. This site may be compensated by credit card issuers mentioned on the site by such companies.