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Use Your Credit Card Wisely

Share Janice M. recetly wrote that a friend of hers gleefully exclaimed “I just got approved for my first credit card.” Without thinking she immediately blurted out “oh jeez please be responsible,” then quickly wanted to smack herself for sounding like her mom. Janice explained that she got her first credit card when she was 18 (and learned a few lessons the hard way), Janice wanted to give her friend a speech...

Second Place is the First Loser

ShareEveryone wants to be part of the “in crowd.” In fact most of us are persuaded in this direction.The person who is led by the crowd or who spends their life trying to become part of the “in crowd” will quickly find themselves going in the wrong direction.Following trends and people just because “everyone else is doing it” is simply not a wise thing to do. You are an individual. You have...

Remove The Roadblocks

Share I am the type of person who spends time evaluating my daily routine. I look at everything that may or may not need improving. For instance just today I found myself dwelling on the setup of the furniture in my home. I asked myself how I could make better use of the space. I didn’t have to look any further than my front living room. My entire living room is dedicated to Baby Grand Piano. No one sits in this room and...

Have You Checked Your Credit Score Lately?

Share You may have not checked your credit score lately, but somebody probably has. When you apply for a credit card, a bank loan or a mortgage, lenders access your three-digit score to help determine the amount of money you can borrow and the interest you will owe on it. The term “credit score” usually refers to your FICO score, a number based on a formula developed by the Fair Isaac Corporation. Fair Isaac looks at a...

Life Debt and the Pursuit of Suicide

Share I hate you! Was that too harsh? I hope it was, because I truly hate you. I was always taught not to hate anyone or anything but it’s time for me to break the rules (Mother forgive me) because I hate you. I hate everything about you. This is not a shot at you the reader. I’m talking about good old-fashioned consumer debt, the type of debt that causes you to seek shelter from annoying phone calls and...