Improving your credit score is imperative for saving money because it allows you to qualify for larger loans and better interest rates. Though your credit score may seem like some mysterious beast you have no control over, you can actually improve it with some small lifestyle changes.
Black Friday sometimes seems over-rated. Why leave the comfort of your own home when you can do all your shopping online during Cyber Monday? Here are some tips to make the most of your spree. Happy shopping!
Prepare Your Checkout Codes in Advance
Imagine this: you’re finally ready to checkout and the clock is ticking down. You forgot to check for a promo code and find yourself frantically googling one. By the time you are able to finish checking out, the product SELLS OUT! Don’t let this be you. Save yourself from this frustration by doing a little bit of preparation beforehand. For a comprehensive list of offers and coupon codes, click here.
The rookie mistake of most Black Friday shoppers is entering the battlefield without a strategy. Here we provide you the intel so you can get the most bang for your buck.
Start Researching Early
Some stores already have their black Friday ads online. To check out a compilation of Black Friday ads, click here.
Know What to Buy
Not everything will be its cheapest on Black Friday. To maximize your savings, it's important to know what to buy immediately and what's better to wait for. Typically electronics, video games, entertainment, and home appliances are cheaper to buy during Black Friday. Toys and Christmas decorations are cheaper to buy closer to Christmas.
Although USC may not have won the game, thanks to the spirited Trojans, we were able to beat Notre Dame in our annual $10,000 Charity Challenge!!
About the Competition:
Each credit union has wagered $5,000 on the contest, with the winner taking all and donating $10,000 to the charity of their choice.
The USC vs. Notre Dame football game is fast approaching, and the Trojans aren't going to let the Irish win--NO DAME WAY!
Our fight with the "Fighting Irish" is not over yet! October 21st is just around the corner, which means we need your help to beat the Irish!
Striking out on your own after college can be challenging for financial novices. For graduates with record student loan debt and entry-level jobs or worse, no jobs at all, learning to manage debt wisely will pave the way to a good credit score. That in turn creates opportunities down the road, including the possibility to refinance student loans at a better rate.
We all know Black Friday offers the best holiday season shopping deals, but they only come to those who are prepared and in the right place at the right time. Here are some tips to help you make the most of the sales and discounts so you get the most bang for your buck.
Whether you get your financial tips by asking friends and family or checking out library books, attending seminars or searching online (at sites other than DailyFinance), impractical pieces of advice abound.
Too many personal finance experts tend to populate their cable appearances, books, columns and blogs with the same simple tidbits. But some of that common advice is also ... useless. For each of these three cliched tips, let's look at some better alternatives.
1. In Debt? Cut Up Your Credit Cards
Certain financial gurus advise people in debt to cut up all their plastic and consider using credit cards the eighth deadly sin. Here's some advice: DON'T
People land in debt for various reasons, and some -- like student loans -- don't have anything to do with credit cards.
If being a unable to pass up a sale or discount clothing bin is your trigger for getting into massive amounts of debt, then put your cards in a lock box and back away. If you fell into some bad luck and used your credit card for an emergency, consider a balance transfer.
But just because someone is in debt and wants to get out of it doesn't mean they're going to stop spending money entirely. People still need to eat, gas up the car, and deal with the occasional unexpected expense.
Some may counter that it's best to use a debit card, but consider the ramifications of debit card fraud. A compromised debit card gives thieves direct access to your bank account. While most banks will cover the majority of money taken from your bank account, it's an extreme hassle to deal with. When a credit card is compromised, the issuer typically reacts quickly -- possibly even before the customer notices -- and offers 100 percent fraud protection. A credit card should be used for all online purchases, and you need one to rent a car -- otherwise you'll get a hard inquiry on your credit report for using a debit card.
It also helps to have a low-interest credit card for emergencies. Think of it as a fire extinguisher housed in a glass case. You don't want to break that glass unless you really, really need it. But you do want the fire extinguisher to be there.