Archive for Personal Finance

Three Ways To Harness Your Emotions To Raise Your Credit Score

Many people think that credit scores are only about managing money and debt well. But more and more people are starting to realize the importance of harnessing their emotions in order to control their money and eventually to raise their credit score. In fact, in recent years there has been an awareness on the link between our emotions and our money – that is, how our financial health is affected by our emotions.

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Save Money by Not Using Credit Cards

Save money by not using credit cards is an option if you are on a budget and finding yourself in debt. Credit cards often come with steep interest rates, which if you roll over your payments to the following month additional interest are added. In addition, most credit cards charge fees for using the cards, or will charge you interest on each purchase you make.

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What Things Do You Buy Each Day?

Saving money is never as hard as it may seem. We all buy certain things regularly, we all need food, toilet paper, household cleaners, makeup and countless other things, and chances are most of us are spending more than we have to on these.

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Use Protection: Online Banking Security & Identity Theft Prevention

In a paperless world, you might think identity theft would run rampant. But it’s really not that bad. With so many banks, credit card companies and stores going totally electronic, they’ve all taken steps to increase online security and help prevent identity theft.

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Credit Repair Secrets That Work

Credit Repair Pays

The impact of bad credit can be significant. Over the years we have helped tens of thousands of our customers successfully repair their credit reports. Credit report repair takes effort and patience. But it is an effort that is well rewarded. We would like to offer some tips for those that would like to undertake the process themselves. It can be done!

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The Secrets Of How To Create A Budget To Help Get Out Of Debt

When creating a budget to get out of debt the hardest part is just sitting down and getting started. No one likes to face the fact that they overspend and creating a budget will be a very big eye opener in seeing where and how you overspend.

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Secured Credit Card Scams?

A page from ftc.gov site begins with the headline Secured Credit Card Marketing Scams and then it places a copy of an advertising sample that reads, “ANYONE CAN QUALIFY FOR A MAJOR CREDIT CARD! Separated? Divorced? Bankrupt? widowed? BAD CREDIT? NO CREDIT? NO PROBLEM!”

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Personal Debt In The UK Growing By “£15 Million An Hour”

As the UK economy continues to move ahead strongly, there are worrying signs that personal debt is running out of control. A recent financial report from the Bank of England was reviewed by Credit Action - a charitable association campaigning for individuals in financial trouble - and showed that personal debt in the UK was rising by an alarming £15 million an hour!

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Top Ten Tips for a Financially Prosperous New Year

I’ll try to make this article short and sweet by providing you with the top tips for improving your finances for the New Year.

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Online Banking - 5 Advantages to Save You Time and Money

If you haven’t starting taking advantage of your bank’s online services, you should! Online banking has many advantages over traditional banking:

1. Download Banking Transactions. You can download your banking transactions directly into your financial software as often as you like. If you use your ATM card often, this is a must, because it keeps your bank balance current in your financial software. You won’t have to worry about keeping all those debit card receipts.

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Bad Credit Bank Accounts

ad credit bank accounts are perfect for those who have a poor credit history, have been bankrupt, or have a county court judgment registered against them. This helps them to repair their credit history without being caught in a fraud net. For the best services with a bad credit bank account, people should check the policies of the banks because different banks have different policies regarding bad credit bank accounts.

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Online Checking and Savings Accounts

Online checking and savings accounts are accounts that can be operated on the Internet. This ensures that you have access to your banking information and can bank from anywhere in the world, as long as you have an Internet connection.

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How You Trap Into Credit Card Debt

These days credit card or plastic money is very popular and used extensively. It is indeed of great utility if used in a calculative manner, but it is also the main cause that leads many people trap into credit card debt. Let see how it happen to most of people.

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Credit Card Companies Looking for Profits

With many people resolving to eliminate their debt, credit card companies are looking to increase their profits in 2007. They are looking to you for the source of their profits.

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Are Guaranteed Approval Credit Cards Right for You

Not a lot of people have heard about guaranteed approval credit cards. This is because these cards are a rather new idea when it comes to credit cards for people with bad credit or no credit. Those who have tried to get credit for the first time or tried to get credit with a bad credit history are aware that it is a difficult, if not impossible task.

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