From the category archives:

Credit Cards

tuesday tip

You can’t get a credit card or loan without a decent credit score. You can raise your credit score without building a strong credit history. You can’t build a history without getting a credit card or a loan. It’s a vicious cycle that many consumers find themselves in. If you find yourself in such a scenario, [...]

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Credit cards

Before signing up for a credit card, it’s important to understand the terms and conditions associated with each card. Do you really understand what interest rates and minimum payments are, for example? What are the credit card terms for each card that you hold? Credit card terms must be fully understood – even if they [...]

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talking cents guy

Dear Talking Cents Guy, I graduated from an expensive liberal arts college five years ago, and I’ve been struggling to pay off my student loans. I worked a string of low-paying entry-level jobs and to make my student loan payments (I could only defer them for so long), I had to prioritize my funds and [...]

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talking cents guy

Dear Talking Cents Guy: I have a number of credit cards with debt on each of them. I cannot afford to pay the minimum payments but still want to pay something. Should I first cancel the cards? I have been not using them for about a month to try to curb spending. We have cut down [...]

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After the big Target data security breach, a number of other retailers came forward to admit that they too had similar problems – Nordstrom, Michael’s, etc. American Consumer Credit Counseling polled readers to find out if they had trust issues with retailers, and the results were indicative of a less trustful set of consumers.

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buy this not that logo

We’ve all been there. You’re walking through a mall, and suddenly, you see it like a mirage in the desert, shining in the store window: the perfect bag. Then you look up and realize you’re standing in front of a Louis Vuitton store, and that bag is roughly one month’s rent and security deposit for [...]

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Credit cards

We all know that credit can be confusing. When it comes to using credit cards, some people use them to pay for every expense and there are others who avoid them at all costs. If you use credit responsibly, it can be very rewarding and can even improve your credit worthiness which will help when [...]

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Money Diet Fiscal Fast

When I started this Fiscal Fast I had big plans to blog about each day, much like Mid-life Mom Musings did. But to be completely honest, my week was so thought out that it would have been a series of really boring “I didn’t spend any money today” posts.  I planned my meals ahead of [...]

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My First Fiscal Fast

by Kathleen B on January 27, 2014

saving-money-spending-fast

I first read about Fiscal Fasts when reading Midlife Mom Musings‘ recent account of her Fiscal Fast.  Now, I’m neither mid-life or in the mom stage (try quarter-life and don’t even think I could care for a fish), but I started  reading Sharon’s blog three years ago when searching for inspiration for Talking Cents Blog posts and [...]

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sweet potato

Even though it’s winter, great produce is still easy to find! Winter vegetables are some of the most delicious, nutritious, and most importantly, affordable. Lowering monthly food bills is a great way to manage your debt, but it shouldn’t be at the cost of nutrition and health. Don’t increase your credit card debt by ordering [...]

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