Category Archives: Personal Finance

Things you thought are good for your credit score but are not

01/15/2013

A lot of people think that as long as you pay your bills, credit card debt, and other financial obligations on time, you will have an excellent credit score. Maintaining a clean credit history does not automatically translate to good credit scores. There are factors that you think might be harmless but in fact they may play a role in shaping your credit score: Municipal debts You may well know that creditors will report to the credit bureaus when you [...]

Tips on how to negotiate your way to lower prices

11/28/2012

How much you can save on something, most of the time, depends on your negotiation skills. It can be very intimidating for a lot of consumers. If we think that price is too high, we just walk away. We often do not realize that we can negotiate for a lower price. In order to get to a more affordable deal, we must follow some tips that may not be always easy. Research well Know everything you can know about the [...]

Money Saving Tips for the New Year

12/30/2011

The year 2011 has not been very kind to a lot of individuals and families. Did you spend within your limits? Here are some tips to save some money come 2012: Travel The rising costs of fuel translates to more spending when it comes to using our cars on a regular basis and a bigger chunk of our budget goes to motoring expenses. The cost for commuting thru public transport has also risen. It will be more practical to join [...]

Money matters: When is the best time to buy big appliances?

12/05/2011

Think of what happens when you buy things on the last minute rather than planning the purchase well ahead of time. The first scenario will end up finding a so-so deal, while the latter gives you a good if not the best deal. The moral of the story is to find a good deal way ahead the time when you are in desperate need for a replacement. There are certain times in the calendar when you can buy refrigerators, washing [...]

Dave talking more sense…

08/14/2011

But I mean… Food on the food envelope?