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  • Get Your FREE Credit Report!

    Posted on January 13th, 2018 Jan No comments

    Credit Report

    I wanted to check in with you today to remind you that it is time to get your FREE credit report for this year.

    You are entitled to a FREE copy of your credit report ever single year from all three of the largest credit reporting agencies; Equifax, Experian, and TransUnion.  However, you don’t have to contact each of them separately; you can simply go to www.AnnualCreditReport.com (AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law {from their website}) to receive all of them.

    Once you have received your credit reports look them over completely.  There might be information on one that isn’t on another, but as long as the information is accurate and all of the accounts on the report are yours, it doesn’t matter.  Some companies report to only one agency while others report to all three.

    If there is anything on your credit report that doesn’t belong to you, follow the steps with each reporting agency to have it removed.  It generally takes them about 60 days to do an investigation and if they find the information isn’t true they will remove it.

    It is also important to do this because of the high rates of identity theft.  If you notice several credit cards or loans in your name that you weren’t aware of, you could be the victim of identity theft.

    The reports are Free and you ARE entitled to a copy of each one every year so make sure you take advantage of that.  You never know what you might find on there that doesn’t really belong to you.

    Now, I’m off to get my free credit reports right now!

  • Save Money by Shopping Early for Christmas!

    Posted on November 13th, 2017 Jan No comments

    Save money

    I used to be so proud of the fact that I could get all of my Christmas shopping done before Thanksgiving but now, for most things, I’ll wait a little longer to shop.  Why?  Because I can get great deals on Black Friday, Cyber Monday and I can get free shipping on everything.  If a company doesn’t offer me free shipping then I will purchase the item somewhere that does.  It’s that simple.

    I was probably paying out a lot of money by not waiting just a little longer.  But, by shopping throughout the year I was able to get some gifts while I was out browsing for other items.  This is particularly easy if you shop for children.

    Another thing I do if I’m going to buy clothes for others (which I don’t do much) then I’ll buy for the following year when all the sweaters go on sale from this year.  Yeah, it’s kind of like cheating, but I do it anyway.  I mean, what better time to stock up on sweaters for next year than waiting for them to go on sale this year??  It’s a win-win for everyone!

    Now, when I say “early” in the title of this article I mean it’s important to shop starting in November when the Black Friday and Cyber Monday specials come along.  You can save money and you’ll be finished shopping before you know it.  Have your list ready to go when you start and get everything you can to get the best deals.

    One other word of advice I will offer is to go through Ebates to do all of your shopping.  Stores will offer cash back – and yes, that’s real dollar bills – for the money you spend through them.  Some do 2% but there are some who give back 6%.  I have never shopped during one holiday season since signing up with Ebates and I’ve gotten my “big fat check” from them each and every year.  Do it and if you are new you’ll get a bonus gift card just for signing up!!  Yeah, seriously! Read the rest of this entry »

  • Create Your Budget!

    Posted on November 2nd, 2017 Jan No comments

    You hear so many people say, “I need to get on a budget!” However, it’s not just enough to create a budget; you have to also stick to that budget.  It can be difficult to change the way you spend money, but it doesn’t always have to be.  And once you get that budget done, it is easier to see where you money goes, so it might not be as hard to stick to it as you might think.

    Some people just think it’s entirely too hard to sit down and go through all of the number crunching that is needed to get that budget set up. But, I’ve made it extremely easy for you by creating this budget sheet you can download here and all you’ll have to do is fill in a few numbers. The benefits you will receive from creating your budget will certainly pay off more than you might ever realize. Read the rest of this entry »

  • Teaching Kids about Money

    Posted on October 26th, 2017 Jan No comments

    When my kids were young we didn’t really have a lot of money so any time they received any money from anyone they were encouraged to put it in a piggy bank to save. Sometimes they did and sometimes they couldn’t wait to spend it. I tried to help them save, but it didn’t always turn out the way I hoped – and it wasn’t always through any fault of their own or anything they did or didn’t do.  That’s a whole other story though.

    A lot of kids are never taught the importance of money at home or at school. I’ve always said that personal finance should be a course that is taught in school starting in the lower grades, but so far, no one has ever listened to me. So, it’s up to the parents to teach kids what they need to know and the earlier you start, the better off your child will be as they grow up.

    How you teach kids about money will depend on how old they are and what they’ll be able to comprehend and understand. Below are some different ways that can help teach your children about money based on their age.

    Read the rest of this entry »

  • Do You Have an Emergency Fund?

    Posted on October 22nd, 2017 Jan No comments

    I read an article a while back on CNN Money which stated that about 64% or Americans couldn’t come up with $1,000 if it was an emergency. I was so blown away by this that I had to see what you all thought about it.

    I know there was a time in my life when I couldn’t have come up with $50 for an emergency, but I had some extenuating circumstances that came into play with that. I am at a place now that I could cover that and more, but I worked hard, sometimes 3 jobs at the same time to be able to not worry about emergencies being covered. I also know that something devastating could happen tomorrow with my finances and it could take it all away.

    So, the big question now is…are you one of the 64% who couldn’t pay for an emergency if it happened? If you are, you’ll definitely want to read this article as well as make some changes in your life so you don’t have to worry about emergencies creeping up on you – because that IS what they do! Read the rest of this entry »