Just because my husband and I are paying off a mountain of student loan debt, doesn’t mean I’m sacrificing entertainment and having fun. If we’re going to survive our journey to debt freedom, I think it’s really important that we are able to have fun and relax along the way. Agree? While we’ve found a lot of free ways to have fun, we still spend money on entertainment from time to time. When I spend, I look for deals. Really good deals. How do I score the best deal and maximize fun? I actually use a combination of tools. Here’s one of my favorite: I like to purchase Living Social vouchers using Ebates to save money on entertainment. [Read more...]
Everyone knows that a credit score is extremely important for purchasing a home, vehicle, or being approved for a credit card. Because your credit score determines your borrowing power, it is imperative that you learn how to avoid damaging your credit score. Here are six surefire ways to hurt your credit score.
1. Applying for Too Many Credit Lines
It is easy to make the mistake of applying for too many credit lines at once, especially if you do not have any credit and you want to establish your credit as quickly as possible. However, applying for too many credit lines can quickly damage your score because every time you apply for one your credit report is pulled. If your credit report is pulled too many times in one year, it makes you look desperate for credit and lowers your score.
Oh September, you were there and gone in the blink of an eye. It was a busy and beautiful month. I just don’t know if I’m ready for October yet.
I bet you never thought that you would use the words “fun” and “budgeting” in the same sentence. To be honest, I never did either and it’s probably a bit of a stretch. But hear me out: There are ways to make budgeting less boring. Creative people usually do really well with visuals and color. Those characteristics can be hard to find in your typical budgets, and spreadsheets. Here are 5 tips to make budgeting fun and effective for creatives.