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Weekend Reading

by Flexo

Here are a few articles I’ve spotted recently. Are you superstitious? Superstitions can extend into your finances; the belief that the stock market’s performance on January 1 signals the performance for the entire year can be classified as a superstition. Frugal Zeitgeist offers a compilations of several superstitions and their origins. I’m a customer of ... Continue reading this article…

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Good Debt and Bad Debt

by Flexo
See-saw

Misuse of credit can destroy a family’s financial life. A household can crumble under the weight of debt, whether it has increased from a poor house-purchasing decision, a drastic change in the real estate market, a shopping addiction, an unexpected medical bill, or the lack of preparedness for an emergency. It’s no surprise people consider ... Continue reading this article…

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Year-End Personal Balance Sheet, December 2011

by Flexo
Net worth balance sheet, December 2011

I’ve spent the last decade of my life focused on my finances. I started because I had no money and a job that was taking more from me than it was providing in income. I knew I had to make some changes if I wanted to build any kind of future for myself. Soon into ... Continue reading this article…

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The CFPB’s New Credit Card Agreements

by Flexo

Although Congress is dragging its feet in confirming the Consumer Financial Protection Bureau’s potential director, the bureau has been busy developing new tools to help consumers understand agreements that are potentially damaging to a family’s finances. Last year, issuers debuted new credit card statements designed to frighten borrowers into paying off debt faster. The new ... Continue reading this article…

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Balance Transfer Day: December 11, 2011

by Flexo

Just last month, Bank Transfer Day encouraged disgruntled consumers across the country to move money out of their bank accounts and deposit the funds in credit unions and smaller, community banks. Partly as a result of this successful campaign, hundreds of thousands of American large-bank customers opened credit union accounts since the day the campaign ... Continue reading this article…

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10 Cash Back Credit Card Traps

by Flexo
Cash Back Credit Cards

For my own finances, I’ve been a fan of credit cards with cash back programs. Some financial experts advise avoiding best credit card deals completely, even those cards that offer rewards like cash back or offer on best gas credit cards and small business credit cards. I’ve never been a fan of this approach — ... Continue reading this article…

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Layaway Programs: How to Buy What You Can’t Afford (Yet)

by Flexo

In the midst of the economic recession a few years ago, layaway programs made a big comeback. Previously a great method for buying items that may have been on the expensive side in eras when credit was not available to many consumers, the same economic conditions returned when credit card offers became scarce recently. Layaway ... Continue reading this article…

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5 Saving Money Tips for Car Owners

by Emily Guy Birken
Rusted Car

This is a guest article by Emily Guy Birken, author of The SAHMambulust. In this article, she offers suggestions for cutting the costs associated with car ownership. Owning a car is an expensive proposition, but most of us never stop to consider the cost of each trip. Unless you live in a city with great ... Continue reading this article…

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