According to Yahoo, “Improving Your Credit Score” was a real mover and shaker for searches this week. No need to search, Ill give you some pointers right here…
Why Does It Matter?
Most of you know that a low credit score will hurt you on mortgage, car and credit card interest rates. But did you know that a low credit score can hurt you in other areas, too? Such as…

Car and Home Insurance
Getting a Job or a Promotion
Utility Deposits
Cell Phones
Some Medical Procedures
School Loans
Your Marriage

6 Ways To Improve Your Credit Score:
1. Make …

This is part of our Pay Debt Quickly series sponsored by
PDQ Pay Debt Quickly kit.
Question:I don’t know how to pay off my debt. My debts are more than the money I earn each month. What can I do? ~ Naomi
Answer: Hi Naomi, that’s a tough spot to be in. I’m not quite sure from your question if your total debts are higher than your monthly income or if the payments are higher than your income. I’m going to address that your debts are higher than your income but you’re …

I’m seeing more and more clients who are banking on retail therapy to get them through this recession. They’re using shopping to numb the worry and stress of unsteady income, shaky jobs, treacherous home mortgages and rising food and gas prices. When they feel bad for whatever reason, off to the mall, bookstore or even grocery store they go. We’ve all heard it: “When the going gets tough, the tough go shopping!”
Amanda recently came to see me because she was at her wit’s end. Amanda has a stressful job as …

This is part of our Pay Debt Quickly series sponsored by PDQ Pay Debt Quickly kit.
Question: Should I consider a Debt Program that would pay off all my high interest debt ($25,000) but leave me with no credit cards for the next three years?  I am considering this because I am only able to pay the minimum monthly payments, on these five different accounts.  ~ Judy
Answer
Hi Judy, one of the most important questions to ask is “will this really pay off the $25,000 in 3 years?” I used the calculator …

This is part of our Pay Debt Quickly series sponsored by PDQ Pay Debt Quickly kit.
Before making the decision to add more debt, you need to make sure that you:
* Allocate sufficient money for your essentials.
* Borrow only for items that you need and can afford.
* Borrow only if you’re spending less each month than you take home.
1. Start with your monthly take-home pay.
This is the amount you have left after taxes and other deductions have been made.
2. Subtract the amount you need for necessities and fixed expenses.
This includes savings, …