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Credit Cards


Bill Paying, Credit Cards, Emergency Fund, Finacial Planning, Financial Security, Saving

Do You Have a Plan for Your Money from Washington?

In the coming weeks many households will likely be getting some financial help from Washington. A new round of stimulus checks and a supplemental federal unemployment benefit was finalized in late Dec

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Children, Credit Cards, Family, Financial Security, Gift Giving

Let’s Talk About Holiday Spending…Right Now

Yes, I know the calendar says it’s only Halloween. But this is the perfect time that you and I have a serious chat about your spending budget for the upcoming holiday season.

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Credit Cards, Credit Score, FICO, Fico Score, Rates

Only 1 in 3 Americans Takes This Smart Financial Step

Checking your credit report is free. And it is incredibly important to do. But a new survey from CompareCards.com says that just one in three adults checked their credit report last year.

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College, Credit Cards, Credit Score, Family, Fico Score

Don’t Send Your Kid to College Without This

Now that another college year is beginning, I want to make sure that all the Moms and Dads have packed off the kids with one very important item:

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Bill Paying, Credit Cards, Saving Money

Credit Card Tips During a Financial Crisis

I want to make sure that all of you are up to date on my recommendations for the smartest credit card moves if your household is dealing with a loss of income during the current crisis.

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Bill Paying, Bills, Credit Cards, Emergency Fund, Motgage, Saving Money, Student Loans

How to Reduce Your Expenses During the Crisis

I know some of you have already lost your jobs as the economy reels from the impact of the coronavirus crisis. And many more of you are worried about a job loss or sharply reduced hours.

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Credit Cards, Debt, Emergency Fund, Long Term Care Insurance, Mortgage, Roth IRA

Top Priorities for Funding your Ultimate Retirement

Previously, I made the case for how you can refine your spending choices today so you have more money to put toward retirement goals.

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Credit Cards, Debt, Retirement

Stop Living Life on Borrowed Money

I want you to make it your top priority once and for all to be smart and powerful in how you choose to use the money you have, as well as the money you do not have.

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Credit Cards, Emergency Fund, Retirement, Saving, Work

What Will You Do with your 2020 Raise?

A recent survey of employers says they expect the typical raise next year to be around 3%. I hope you are the rock star who lands an even bigger pay increase. But, 3% is good when you consider that th

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Credit, Credit Cards, Credit Score, Emergency Fund, Financial Security, Money Management, Saving, Security, Stocks, Work

Yes, There Will be a Recession. Here’s How to Prepare.

It’s been more than a decade since the U.S. economy fell into a recession. That’s a long time ago. But I know for many of you, far from forgotten, as the Great Recession that lasted from late 2007 to

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Credit Cards, Debt, Saving

Americans Say Paying Off Debt is Their Top Goal

A large national survey by the Transamerica Center for Retirement Studies found that saving for retirement is not our top priority.

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Credit Cards, Credit Score, Debt, Finacial Planning

40 Million Americans Say They Will Miss a Credit Card Payment. Not You!

A recent survey reports that an estimated 40 million Americans expect to make a mess of their financial life this year by missing a credit card payment.

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Bill Paying, Credit Cards, Debt, Retirement, Saving, Saving Money

How to Make the Most of a Cash Windfall

Did you land a year-end bonus? Even better, a nice raise? Or, perhaps you’ve been working a side gig and have some extra income to put to work? Also, I know many of you will soon be receiving...

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Credit Cards, Debt, Financial Advisor, Savings

The Procrastinator’s Guide to Dealing with Credit Card Debt

As much as I wish that no one overspent during the holidays, I know that many of you are facing January credit card statements that are going to set off some stress. You realize there’s...

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Bill Paying, Budget, Budgeting, Credit Cards, Debt, Finacial Planning, Interest Rates

Credit Card Alert: How to Avoid the Big Trap of 2019

You know where I stand on having credit card debt. It holds you back from being all you can, and deserve, to be. I realize some of you have credit card debt due to emergencies, like a medical bill...

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Credit, Credit Cards, Debt

Rule #1 of debt management: Honor your obligations

I am all about helping people get out of financial trouble. I am always humbled when someone lays bare their financial struggle and asks for my advice.

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Credit, Credit Cards, Debt, Saving Money

Protecting your financial life is now free. Don’t pass up this offer.

One of the best ways to protect yourself from identify thieves is now free of charge. Beginning in late September, Equifax, Experian and TransUnion began offering consumers the ability to place an

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Bill Paying, Credit Cards, Family, Women And Money

This One Move Will Automatically Improve Your Financial Life

This One Move Will Automatically Improve Your Financial Life

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Credit Cards, Interest Rates, Saving Money

2018 is the Worst Year Since 2018 to Carry Credit Card Debt

If you just overdid it on the holiday spending, please do your very best to buckle down and pay off the balance as quickly as possible to avoid rising interest rate charges.

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Credit, Credit Cards, Scam, Scam Alert

Email Scams are Rising. Do you Know how to Protect Yourself?

I hope that after the news of the Equifax data breach, you’re being extra smart about taking steps to monitor your credit reports. You can always get one free credit report a year from each of the three credit bureaus at annualcreditreports.com.

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Credit Cards, Emergency Fund, Natural Disasters

A Credit Card Strategy for Dealing with Natural Disasters

Digging out from the losses incurred when a natural disaster strikes can take time. Waiting for insurance claims to be processed, or emergency aid to be disbursed can take weeks, or longer. Meanwhile households have bills to pay, and the financial strain of needing to replace so much right now just to get back to functioning.

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Credit Cards, Do's And Don’ts., Natural Disasters, Saving

Financial Do’s and Don'ts After Disaster Strikes

Hurricanes and tropical storms in Florida and throughout the Caribbean, wildfires in the west and the Mexico earthquakes have been devastating for so many. And heart wrenching for all of us.

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Credit Cards, Debt, Savings

How to Bounce Back from a Spending Hangover

It’s that scary time of the year: Your December credit card statements start rolling in. I hope that you have everything under control and can pay off every balance in full. But if that’s not doable, I want you to promise me that you will be extra smart in how you take control of your spending hangover.

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Credit Cards, Emergency Fund, Life Insurance, Natural Disasters, Retirement, Saving

Why I Hate Guaranteed Acceptance Whole Life Insurance

I was glued to the TV recently watching the news when an advertisement for Guaranteed Acceptance Life Insurance came on. Whoo boy, did my blood pressure rise. I am not a fan of this type of life insurance.

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Credit Cards, Do's And Don’ts., Medicare, Natural Disasters, Retirement, Saving, Seniors

How Seniors Can Save Money In 2017

Well, as you have probably heard, the annual inflation adjustment Social Security recipients will get in 2017 will be 0.3%. That’s about $4 a month for the average retiree.

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Credit Cards, Debt, Financial Independence, Saving

A Great Credit Card for Paying Down Your Debt

If you are struggling to make a dent in a large credit card balance, and you have a strong FICO score, I want you to look into what could possibly be the ticket to finally being able to pay down your balance. As reported by NextAdvisor, the Citi Simplicity Card offers 21 months of no interest payments on balance transfers or new purchases. That’s nearly two years to make progress paying down your credit card debt.

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Career, Children, Children And Money, Credit Cards, Family, Fico Score, Personal Growth, Teens, Work

Teach your Children Well-Part 3: Give Your Kid’s Credit

Young adults are making a big mistake with their finances. Survey after survey reports that most millennials do not have a credit card. I am wholeheartedly on board with preferring a debit card. But everyone needs to also have a credit card and use it responsibly.

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College, Credit Cards, Family, Rates, Saving, Student Loans

Credit Card Industry Set to Rake in an Extra $30 Billion. How to Avoid Paying Your Part.

If you have unpaid credit card balances, your situation could soon progress from very expensive to ridiculously expensive.

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Credit Cards, Debt, Dental Savings Plan, Savings

A Dental Savings Plan That Will Make You Smile

According to the Centers for Disease Control, about 40% to 45% of adult Americans don’t see a dentist in a given year. Cost is obviously a big reason why so many avoid the dentist. By one estimate nearly 68 million Americans have no dental coverage. That makes going to the dentist extra nerve-wracking, as you need to worry about the pain of a big out-of-pocket expense.

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Car Buying, Car Loan, Credit Cards, Debt, Loans, Saving

Savings v. Paying Off Credit Card Debt: What’s the Right Move?

One of the hardest challenges managing your financial life is figuring out how best to juggle multiple goals. And one of the most vexing decisions is what to do if you have credit card debt and you have money sitting in your emergency savings fund.

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Children, Children And Money, College, Credit Cards, Family, Fico Score, Kids, Saving, Teens

How Grandparents Can Make the Most of a Grandchild’s Summer Job

So often grandparents come up to me and ask how they can best help their grandchildren get a leg up. My favorite move is to gift a grandchild money to open a Roth IRA. Here’s what you need to know:

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Credit Cards, FICO, Home Mortgage, Investing, Loans, Rates, Saving

4 Signs You Should Rent Not Buy

I am a big believer in home ownership, but only if it makes financial sense. If you answer yes to any of these questions you are better off renting:

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Credit, Credit Cards, Credit Score, FICO, Health, Health Insurance, Insurance, Saving

The Best Moves to Boost Your Credit Score

Having a good credit score isn’t good enough. To land the best loan deals and qualify for the best credit card offers you need to have a seriously great FICO credit score of at least 740. Here’s how to improve your FICO score.

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Credit Cards, Family, Financial Planning, Rates, Trust, Will

Beware: 2015 Prime Time for Credit Card Rates to Rise

You know how much I hate credit card debt, given the astronomical interest rates you are stuck paying. Though the average is around 14% I know plenty of you pay more than 20% interest. And next year could be even more expensive for anyone carrying credit card debt.

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College, Credit Cards, Debt, Family, Saving, Student Loans, Students

No Student Debt? Great, But You’re Still Being Dragged Down by the Student Debt Crisis.

If one were to ask me what I think is the most dangerous threat to our economy, the answer is very simple: STUDENT LOANS.

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Children, Children And Money, Credit Cards, Debt, Family, Kids, Retirement

Suze Orman: Don’t put your retirement on a credit card

As the economy slowly recovers, Americans are struggling to get out of credit card debt they amassed during tougher financial days...Out of desperation to stay current, or to rid themselves of their debt, people are looking at their retirement accounts as a cash source. But Suze Orman says that's the biggest mistake you could make.

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College, Credit Cards, Family, Student Loans, Students

Are Your Kids Spending Too Much

How to teach your teens about money. How do you teach your teens about money—short of lending them your credit card and praying that they don’t hand it back to you maxed out?

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Budget, Credit Cards, Debt, Gift Giving, Saving, Spending

How Not To Go Off The Financial Gift Cliff For The Holidays

Whenever you feel fear about spending money that should be a sign that you're spending money you don't have to possibly even impress people you don't even know or like.

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Budget, Credit Cards, Debt, Gift Giving, Spending

Suze Orman’s Money-Saving Advice for Holiday Shopping

I call it the buy-it-now bug: We come down with it every giving season and feel the effects in January when we see our credit card statements.

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About Suze, Credit, Credit Cards, Credit Score, FICO

New Exhibition Explores Our Love and Hate of Money

U.S. financial guru Suze Orman has teamed with the producer of the popular Body Worlds exhibits for a new traveling show to look at how we relate to and understand money.

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People First | Then Money | Then Things
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