Nov 30
UNITED STATES — You’ve heard about the importance of having a high credit score before. But do you really understand why it’s so important? Building credit is the doorway to consumer freedom. Those individuals who have the best credit get the best deals on cars, houses and other big-ticket items.
However, if you’ve been in credit card debt or you have made some poor financial decisions in your life, then it’s more important than ever to rebuild your credit than ever before. If you don’t, you’ll be turned down every time you try and get a loan. Bad credit affects all areas of your life, whether you want it to or not. The best thing to do is to rebuild your credit from the ground up.
How can you rebuild your credit? The first thing you can do is to hire a credit attorney who can help you get your financial life back on track. He or she will help you settle your debts in a responsible way that is beneficial for you. When rebuildi Read more…
Tags: Building Credit, Important
Nov 22
Week six at Warwick was reading week – or rather, recovery week. A time to catch up on some sleep, maybe go home for a few days, party like crazy and, of course, if time permits read a little …
The weekend before, I decided to make my first visit back to London, which I used to call home. I thought I’d done well purchasing a single train ticket for £19.50 – until I discovered my friend had acquired a return ticket, at the same time as me, for only £12.50. How did that work? Of course – a student railcard. I then remembered how despite my annoyance at discovering NatWest had stopped offering a railcard as a bank account perk, I had totally forgotten to buy one.
Reading week has so far been the best week at university (yes, even surpassing Freshers’ week). I managed to leave the Warwick bubble and explore the night life of Leamington, Coventry and Birmingham. Smack on
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Nov 21
When it comes to holiday shopping, you have several payment options available to you. Two options are credit cards and cash. Each have their benefits and drawbacks (like the potential for debt with credit card purchases and the fact that cash limits your spending power). But there’s another option that offers some of the best of both worlds — debit cards.
Let’s take a look at how using debit cards for your holiday shopping can give you some of the benefits of both cash and credit card payments.
The Benefit of Buying With Cash
The biggest benefit of using cash to purchase gifts is the fact that you only spend money that you actually have. You won’t go into debt and have to pay for holiday purchases for months to come.
The same is true if you use a debit card like the St. George Visa debit card. Because
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Tags: Holiday Shopping, Shopping
Nov 21
This coming Friday, U.S. consumers will be taking to their local shopping malls, retail stores and computers en masse for the official launch of the holiday shopping season. (A recent study by Accenture revealed that 44 percent of Americans will do some type of Black Friday shopping.) However, whether consumers make their purchases via layaway plans – as discussed in our previous debt relief post – or credit card, financial experts are advising some type of restraint in order to prevent the accumulation of too much debt.
Unfortunately, this can be difficult during the Black Friday onslaught, where consumers are bombarded with sales on big ticket items that seem too good to pass on regardless of whether the item was actually on their original shopping radar.
In fact, financial professionals indicate that many people accumulate significant credit card debt because they purchase so-called impulse items during the start of the holiday season.
“Sometimes that assumption of charging things now, thinking ‘Well I’ll pay for it later.
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Tags: Holiday Shopping, Holiday Shopping Season, Season, Shopping Season
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