Credit Cards

Stop lying to yourself about your credit cards 

June 18, 2014

  Good morning Dinks.  As you may remember I am a reformed spend-a-holic. Actually I should say that I’m a reformed credit card user.  I used to whip out my credit card without even thinking about what I was doing.  With just a little swipe of a card I was completely ruining my life, but […]

Read the full article →

You bought what on your credit card?!

May 19, 2014

Good morning Dinks. Yesterday morning I was listening to the radio while I was taking my shower, this is rare for me because I actually hate listening to the radio.  I prefer to listen to CDs or my iPod because I know it’s music I like and its commercial free.  That’s probably an over share […]

Read the full article →

Are you taking full advantage of your credit card?

April 17, 2014

Credit cards can be the frenemy of consumers.  They can be your best friend if you use them wisely but they can also be your worst enemy if you aren’t financially responsible.  Using your credit card for smart purchases every month and paying it off in full saves money on interest payments.  It also helps […]

Read the full article →

Do you need to switch credit cards?

April 2, 2014

    Good morning Dinks.  It’s that time of the year again: Spring Fever.  Everywhere, people are cleaning out their homes, getting rid of unwanted items and making positive changes in their lives.  For some people this includes making changes to their finances.  Being financially responsible includes saving money for your goals, living on a […]

Read the full article →

Use Credit Cards To Juice Your Investment Savings

November 4, 2013

Hi All, Credit cards can either be used as means of payment, or they can be a method of finance. While credit cards are a secure and convenient way to pay for everyday items, their high interest rates and tough terms make them a terrible way to finance purchases. Simply put, those who carry a […]

Read the full article →

Personal Finance That Works

August 27, 2013

It’s good to periodically review the personal finance basics. These aren’t earth shattering, but they do help you get ahead. 1. Live below your means. The principle behind this is simple. If you earn 1,000 bucks per month, but you spend 1,100, then you’re running into trouble.  But on the other hand, if you earn […]

Read the full article →

It’s OK to use your credit card and NOT feel guilty

August 15, 2013

Good morning Dinks.  I know that everyday some of us experience the same money dilemma – should I or shouldn’t I use my credit card for my purchases.  There are several benefits to using your credit card for every purchase such as collecting rewards point and earning cash back.  However there are also downsides to […]

Read the full article →

Do you always keep your debit and credit cards safe?

April 22, 2013

Good morning Dinks.  Yesterday something happened to me and it was just so out of the ordinary that I have to share.  Yesterday I went out for lunch with one of my co-workers and when we were paying for our lunch she didn’t pull out her wallet she just pulled her debit card out of […]

Read the full article →

Managing your Credit Rating

February 26, 2013

Hello All, One of the unfortunate downsides of the slow economy is that lending standards have tightened considerably in recent years.  Both my wife and I have recently felt the brunt of this.  For example, my wife purchased an investment property in Oregon, but we had a couple of late payments on one of our […]

Read the full article →