If your interest rate has ever increased because you were “late” one time or you were charged a high fee for being over-the-limit on your credit card account – times are changing. On Monday, February 22, 2010, the long awaited Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) goes into effect. As a consumer, this is GREAT news.

There are only 31 hours until the New Year and a new opportunity to make sure your finances are in shape to help you reach your life goals. The beginning of the year can be a great time to take stock of your financial health because it is an easy date to remember. So start [...]

Every year between October and December, retail sales on home decorations, food and gifts increase and so does the amount people owe on their credit cards. This year, keep your money in your pocket by going on a spending diet.

Debt is a major problem for a lot of people so don’t feel like you are alone. The problem is, even if people know they want to get out of it, they have a hard time figuring out how to start because the debt is overwhelming or there are so many bills to juggle.
There is [...]

The two biggest concerns people seem to have with living life without credit cards are; what will they do in an emergency and how will they be able to reserve a car or a hotel room?
Below is some advice on how to plan for these situations:
Emergencies: If you stop and think about it, how many [...]