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Step #2:
Be Smart With Those Credit Cards!
After you’ve calculated all you owe, the next step to living debt-free and getting your finances in tip-top shape is to pay off any outstanding balances on your plastic. (By the way, we’ve outlined 6 easy-to-follow steps to do just that here: Pay Off Your Credit Cards Now!)
Sure, credit cards are somewhat of a necessary evil — it’s hard to get by in life without them. For heaven’s sake, though, if you make purchases with them, pay them off in FULL each and every month!
Also limit the number of cards you carry in your wallet to two or three — tops. The best ones to keep are those with the lowest interest rates and the most benefits, such as airline miles and cash back. As for the rest — cut ‘em up!
Fight Back Against Debt Collectors!
Tired of those harassing and intimidating debt collectors? We've had enough of them, too! Here's what you need to know to fight back. Read More.
Are Reverse Equity Mortgages Right for the Times?
What exactly is a REM and how can it help you survive these tough times? Let's take a closer look to see if it's right for you. Read More.
Drowning in Bills?
Buried under piles of bills? These days, who isn't? Tackle them once and for all with our 10-step guide. Read More.
10 Fabulous Freebies
We're not pulling any fast ones here, folks. Check out our 10 favorite freebies and stop spending money where you don't need to! Read More.
Rates Fall Below 6%: Time to Refinance?
Before you call us crazy, let's take a look at how refinancing could work to your benefit right now. Read More.
6 Credit Score Secrets
Your credit score affects everything from your interest rate to getting approved for a loan. We're unlocking six secrets to help you keep it in top shape.
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How to Deal With Debt Collectors
Piles of bills often equals harassing phone calls from debt collectors. Make sure you know your rights and fight back!
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Credit Smarts
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- Avoid These Sneaky Credit Card Tactics
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How You Can Become a Millionaire!No, we aren't pulling your leg! Even in today's economy, it is possible to reach millionaire status by retirement. Use our calculator to see for yourself how setting aside just a small amount each month will quickly put your savings in the seven figure range. We think you'll be surprised! |
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