From the category archives:

Credit

use credit cards wisely avoid credit card debt tuesday tip

When making travel arrangements on a budget, every little bit of savings can feel like a victory. You want to put your money towards something fun like activities and souvenirs, not fees and insurance. It can be difficult to determine when travel insurance is worth it. Of course, it only winds up being useful when you need [...]

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talking cents guy

DEAR TALKING CENTS GUY, My credit is currently at 460. The only thing that I owe is a credit card in collections with a $500 limit, but it has a $2,600 balance making my credit utilization 530%. If I paid this off or settled, will it bring up my credit drastically? Maybe at least the 500′s? -TONY

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protect your phone consumer credit

Continuing the Choose Privacy Week theme, another great topic to cover is your phone. In addition to adjusting your privacy settings on social media, we think it’s important to be just as safe with your mobile device, something many people need and use constantly throughout the day to handle important tasks. Here are some tips to [...]

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no credit cards challenge eliminate credit card debt

Credit card debt can stem from both needs and wants. If you struggle to manage your credit cards or currently have credit card debt, try this month’s challenge. Put down all your credit cards and learn how you can eliminate your credit card debt.

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teach kids to save

In conjunction with Financial Literacy Month,  affiliates across the country will be recognizing National Teach Kids To Save Day tomorrow. Did you know that only six states require high school students to be tested on personal finance? We can all agree on the importance of financial education for children and adults alike, after all, our nation’s economic future [...]

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difference between a bank and a credit union

Did you know that April is National Credit Union Youth Month? In conjunction with this month’s Financial Literacy, this year’s ‘Wild About Saving‘ theme encourages our youth to start thinking about their financial future. You may find local credit unions offering deals when opening a new account and other community outreach events to educate young people. [...]

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Still waiting for the job interview - woman checking time

There’s been a lot of talk and worry lately about your credit history affecting your chances of getting a job. Now we all know that your credit history has a direct affect when it comes to applying for loans or credit cards, meaning you should take care of any credit problems well beforehand, but employment? What does [...]

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free library resources to help eliminate credit card debt

Did you know you could eliminate credit card debt by utilizing your local library? It’s National Library Week and what better time than now to explore all your library has to offer! There are plenty of free and exciting resources available from libraries that can save you a bundle. Those savings can go towards eliminating debt. [...]

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managing credit card debt rent stay on budget

Managing credit card debt doesn’t have to undermine the excitement around renting an apartment or home. One of the most important factors in this decision is your budget and getting rid of credit card debt. As part of Financial Literacy Month, Talking Cents wants you to have a better understanding of how renting impacts your budget [...]

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your credit score

Managing your credit begins and ends with knowing your credit score. Your credit score is directly reflective of your credit report, containing the history of everything in relation to your credit past and present. To wrap up March’s Credit Education Month, we’re going to give you a simple run down of how your credit score is calculated so [...]

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