Are you wasting electricity from plugged in chargers? Most people think that chargers for things like cell phoned and cameras only draw power when the deviceis attached to the plug. Not so! Those chargers all draw power even when the device isn't attached, as well as when … [Read more...] about Are you wasting electricity from plugged in chargers?
Ever notice when you carry a high credit card balance and just make the minimum payment that your bill still keeps getting higher, even though you haven't actually charged anything to it? That is because you are charged interest, which is how the credit card companies make their … [Read more...] about Lowering your credit card interest rate
You have discovered that someone has stolen your identity, and you are now on the hook for bills charged up by someone else in your name. What steps do you need to take to rectify this? Because identity theft is quickly becoming a theft of choice by many theives, incidences of … [Read more...] about What to do when your identity is stolen
As with any crime, you should report a case of identity theft to the police. When you go to file, you must bring as much documentation as possible. This would include your credit reports, ID Theft Affidavit (after you have it notarized), collection letters, and any other evidence … [Read more...] about Reporting identity theft to the police
You need to report to all three credit bureaus when your identity is stolen Credit Bureaus in the US Equifax — www.equifax.com To report fraud, call: 1-800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241 Experian — www.experian.com To report fraud, call: … [Read more...] about Reporting identity theft to the credit bureaus
You will need to pull your credit report from all three. If there is a reason to suspect identity theft, you can get copies for free, otherwise it will cost up to $9, which is a small price to pay when you are trying to build your credit and see how your score adds up and what … [Read more...] about Getting copies of your credit report
When you are struggling to save money, it can seem like you will never be able to save up enough to buy even little things, much less the larger priced wants and needs. But when you sit down with your finances, there are easier ways to save up money for that brand new television … [Read more...] about Saving for big ticket purchases
Do you have problems remembering prices when planning out your monthly budget? If you do, try starting a price notebook to keep your most frequently used prices on hand when budgeting for the month. What sorts of things could go in your notebook? Think about the things you often … [Read more...] about Keeping a Shopping Price Notebook
Do you realize that many families fail to stick to their budget because it is too restricting? And that cutting out every little pleasure from your budget can actually backfire and cause you to overspend? Sound crazy? It isn't! Many families make the mistake by cutting back so … [Read more...] about Making a realistic budget for your family
By planning bill paying days, you can make a point of not only always paying your bills on time, that can help you budget your monthly household budgets when you can plan your bill paying in advance. How should you plan on your bill paying days? It could be quite simple. If you … [Read more...] about Plan Bill Paying Days
Yes, I can practically hear you asking why simply keeping your bills together will save you money. But the answer is quite simple. When you keep your bills scattered all over your house, without a "home" for them, you can quite easily miss due date you didn't plan to, and that … [Read more...] about Keeping Your Bills Together Will Save You Money
Why is it important to record all your bill payments as you make them? Because as nearly all people will discover sooner or later,bill payments can and will go astray. And unfortunately, because this is often used as an excuse by people who do not have the money to pay, if your … [Read more...] about Why Recording Your Bill Payments Is Important
When money is especially tight, it can be hard to see past the mountains of bills and figure out what bills are most important and what bills are something that can be delayed or even cancelled in order to save money. First, get a list of all your bills and rank them from the … [Read more...] about Prioritize Your Household Bills
One of the dangers of budgeting your monthly household expenses is that some of them fluctuate over time. If you make your budget based on summertime electricity usage, but in the winter it goes up four times because you are heating your house, you have inadvertantly sabotaged … [Read more...] about Averaging out your monthly household bills
Believe it or not, money-management software really can help you when it comes to organizing your household finances. However, like any good bill paying practice, you need to use it consistently to make it work. But if you commit yourself to do so, the payoffs can be quite good … [Read more...] about Can money management software help you with your household expenses?