Ways to Get Credit with a Poor Credit Score

No one starts out thinking they will ever face credit ruin, but when debt becomes difficult to manage and too many late and missed payments are reported to the credit bureaus, credit scores take a dive. For some people a poor credit score is a result of irresponsible money management while for others it’s the result of an unexpected curve, as in a job loss or a medical emergency that wreaks havoc on their finances. The most challenging scenario for anyone needing credit is the devastation of ban...
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7 Places to Cut Corners with Your Household Budget

We all wish we could stretch our household budgets at least a little bit further. Unfortunately, for most of us, at first glance, it seems like every penny is already spoken for - sometimes by multiple expenses! It's so easy to get bummed out and think that the only way to make our money go further is to win the lottery or for some monetary miracle to drop into our laps. Here's the truth: There are ways to stretch your budget. There are ways to pay down your debt and pay in to your savings a...
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Baby Goods: What Can You Buy Used?

Babies are great. They're cute, they represent the infinite possibilities of humanity, and they give us our only and best chance at immortality. They're also expensive. Really, really, expensive. Like cash your paycheck, take the pile of money, set two-thirds of it on fire, and use the rest to dry your tears expensive. Saving money is always great, but unless you're independently wealthy, the benefits of frugality take on a whole new meaning after you and your other decide to duplicate yours...
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Save Money (and Be Healthier!) By Making Your Own Baby Food

It's no longer just "crunchy" moms that are making their own baby food - all types of mothers are realizing that the process of making meals for their little one is easier, healthier, and cheaper than they ever realized. These days, moms worry about everything from the background of the daycare provider to the safety of cribs - so why worry about the ingredients in the food your baby eats? Benefits of making your own baby food range from health to cost to variation. Jarred baby food is c...
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Going Back to School? Follow These Tips for Saving Money on Tuition

There are a lot of reasons to choose to go back to school. Maybe you're ready for a career change. Perhaps you've been forced into having a career change (quite common given the economy). Maybe you're finally ready to finish your degree. Whatever the reason, one thing is universal: College is expensive, and figuring out how to afford it is a challenge. Most people approach college tuition the same: They focus on trying to earn or save money to help them afford the astronomical cost of sch...
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Repurposing Household Items: Minimizing Waste

In the present economic environment, in which the savvy person needs to do everything they can in order to get ahead, one effective wealth accumulation strategy to consider is repurposing your household items to minimize waste and maximize cash flow. In other words, there are effective ways you can take a common item everyone has at home and creatively use it for another purpose. Some of these items are things that might be at the end of their useful life but can live on in a few form. The p...
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How to Take Charge of Unnecessary Banking Fees

The Credit Card Accountability, Responsibility and Disclosure Act of 2009, or CARD Act, instituted rules and regulations that were more friendly to consumers of financial products and less in the favor of the banks that provide them. Regulations regarding interest rate hikes on existing balances and new rules on over-the-limit fees sent banks on a search for a way to make up revenue that was lost in their credit-card departments. One of the most common ways banks sought to regain revenue was...
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Couponing: An Easy Way to Save Money

Saving money on purchases by finding and using coupons is something that many people don't do at all because they think it's for old ladies. A small minority turn it into a fanatical obsession. In reality, unless you have money to burn, it's foolish not to spend a comparatively small amount of time to save what may accumulate into a sizable amount of money later. Couponing can be tedious, but it's rarely fruitless if it's done right. Follow this guide to spending less and eating better. L...
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6 Tips for Always Paying Your Bills on Time

Successfully accumulating wealth often means paying attention to the little ways in which we can save money in life. One way many people squander cash is by paying late fees and interest on bills that are overdue. Although the dollars may seem small, the charges add up to significant amounts over time. Consider that the late fee for monthly bills is often $30. Over the course of a year, that's $360, but over a 10-year period, that's a whopping $3,600. Consider what even a simple investment of t...
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Top 7 Ways to Save Money on Your Next Family Vacation

For some reason, travel is one of those things we take for granted as having to be expensive. The family vacation, for example, is a time-honored tradition that most families spend months saving up to take and then have to scrimp and save once they get back to make up for what they overspent. Instead of getting discouraged, though, why not look at it as a challenge to come in under budget this year? There are lots of ways to save money on family vacations. Here are just a few of them: 1. Filte...
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