One of the easiest ways to build credit and improve a credit score is to open a secured credit card. Whether youre young and new to credit, or are looking to improve your credit score because of past financial problems, a secured credit card can help. Instead of providing a high credit limit like an…
Having bad credit can be worse than having no credit at all. A lousy credit score can lead to a steeper credit hole to climb out of, and can take years to fix. All is not lost. Borrowers with bad credit scores can still get approved for a new credit card, though they’ll have to…
Regardless of how much time you spend cleaning, there are likely to be a few places you overlook. Below are five frequently missed spaces that may need a little elbow grease. Baseboards. While cleaning, look down. The baseboards running along the floor may likely need a little TLC, as they commonly pick up dust and…
Is student loan debt weighing you down? Pay beyond the minimum payment every month to reduce your principal and avoid wasting money on interest. To trick yourself into making an extra full payment annually, split monthly payments in half and pay that amount every two weeks instead. Consider refinancing and consolidating your loans with a…
Published with permission from RISMedia.
These easy upgrades will take your bedroom to a whole new level of luxury. Wet Bar A small wet bar is a great convenience for a quick night cap with your partner or a coffee in the morning. Washer and Dryer Make your life much easier by having your dressing area and laundry area in…
Looking to cut your energy costs? It can take years for a new, more energy-efficient refrigerator or other major appliance to pay for itself in savings on a utility bill. If that’s the path you want to take, this Energy Star calculator can estimate the amount of money saved by replacing an old fridge with…
Here are a few tips on how to stage your home during the holidays… Keep It Simple Try going for an understated feel thats festive and inviting without being too personalized. Holiday Curb Appeal Greeting guests with some holiday cheer at your front door is always encouraged. A simple lighting arrangement and wreath will do…
Published with permission from RISMedia.
The typical credit card charges about 16 percent interest per year on balances, effectively adding $16 to each $100 in expenses that are left on a credit card. Some charge as much as 29 percent if youre late on a payment and have to pay penalty interest. Avoiding a credit card balance by paying the…