Stick To Your Holiday Spending Budget By Using A Prepaid Credit Card

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Halloween is over, and we’ve entered the month of November which means the holiday shopping season has officially started. We’ll see countless reminders to avoid overspending and/or going into debt buying gifts. This is great advice, but easier said than done. Prepaid Credit Card Advantages A prepaid credit card loaded with the amount of your holiday budget can help you follow this advice. Here is a list of some of the ways using a prepaid credit card can help keep your holiday spending in check as well as a few advantages it has over other payment methods: No Forgotten Purchases: […] Read more »

Are Your Holiday Expectations Holding You Hostage?

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Are you stressed out about the holidays? It’s hard not to get stressed out just a little bit this time of year, especially if you’re struggling with your finances. With countless gatherings to attend and gifts to buy for loved ones, this time of year can be very difficult to handle when you’ve been fighting just to pay the bills each month. I read a post recently from a fellow debt relief customer who is in just that kind of situation. She is extremely stressed out because Christmas is getting closer every day, but due to some unexpected expenses, they […] Read more »

American Consumers Dive 5.6 Billion Dollars Deeper in Credit Card Debt in One Month

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While some of us were saying No to Restaurants in November it seems others were saying YES to binge shopping sprees financed by credit card debt. In an article sent to me by my friends over at Impulse Save, consumers racked up 5.6 billion dollars in credit card debt in November alone. Judging by the shape of the economy (specifically unemployment) one would expect these numbers to be down so this is an astonishing statistic. The Time Moneyland article also shared Federal Reserve data that shows consumer borrowing skyrocketed by 20.4 billion and is the highest month-over-month increase in the […] Read more »

12 Months of Christmas Debt (The Song)

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On the first day of Christmas my habits gave to me: One Empty Wallet On the second day of Christmas my habits gave to me: Two-hundred Sales And one empty wallet. On the third day of Christmas my habits gave to me: Three Reasons to Shop Two-hundred Sales And One Empty Wallet. On the fourth day of Christmas my habits gave to me: Four Credit Offers Three Reasons to Shop Two-hundred Sales and One Empty Wallet. On the fifth day of Christmas my habits gave to me: Five New Credit Cards Four Credit Offers Three Reasons to Shop Two-hundred Sales […] Read more »

19 Important Questions to Ask Yourself When Shopping on Black Friday

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Hello all! Are you ready for Thanksgiving? If you’ve been a reader for more than a year you probably know I hate Black Friday. There are many reasons for this and I won’t go into it again but I really have a problem with what the Christmas season has become. Really what we have let it become but I digress. Gobble up your turkey and say bye to your family because you have early sales to hit up! (Yes, this is sarcasm.) This year I wanted to provide a checklist of questions to ask yourself to make sure you are […] Read more »