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Category Archives: The Credit Game

An Innovative New Way to Purchase Items Online & Build Credit Without Using a Credit Card

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This is a sponsored conversation written by me on behalf of Affirm, Inc. The opinions and text are all mine. With credit card debt reaching historical highs, some debt experts are encouraging consumers to ditch the credit cards and just use cash. Credit card debt can be a vicious thing. Interest rates often run very high and

How To Tackle ‘Debt Stress’: 5 Top Tips

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Having debt that is out of control or that is threatening to get out of control is a source of major stress and worry for many. Debt can start small and manageable, but often continues to escalate if not handled properly. When stress through owing money builds, it is very important to deal with it effectively. Try the

Helpful Ways to Protect Yourself Against Credit Card Fraud

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This is a sponsored post written by me on behalf of Chase for IZEA. All opinions are 100% mine. Credit card fraud seems like it is rampant these days. It is wise to protect yourself from fraud in any way you can. I’ve had quite a few fraudulent charges on my cards throughout the years.

Advice from My Mom: Practical Ways to Teach Your Children to Control Money

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My mother has always been a great example of fiscal responsibility. She would often say, “Anita, control your money, don’t allow it to control you.” It reminds me a lot of the famous quote penned by P.T. Barnum, “Money is a terrible master, but an excellent servant.” My mom taught me by example this principle

10 Must-Take Steps to Keep Your Identity Safe

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Recently, my brother in law’s boss called and asked him why he was filing for unemployment. Seeing as how he was at work that day, his boss was perplexed. My brother-in-law hadn’t filed for unemployment. To figure things out, my sister called the state department and found out that his identity had been stolen. She

7 Ways to Cancel Your P.M.I. (Private Mortgage Insurance)

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Did you know that many people are paying a monthly payment of anywhere between $50 – $400+ per month for insurance that doesn’t even benefit them? Yep, it’s called private mortgage insurance or PMI. This insurance benefits your lending institution if you default on your loan. If you have bought a home and put less

31 Step Financial Fitness Boot Camp Course

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Do you feel like you are never going to make it out of debt? Are you tired of living paycheck to paycheck? Or perhaps your just wanting to save more for retirement? No worries. You’re at the right place. Karen my financially savvy sister and co-author of our book, Living a Rich Life as a

How an Index Card Helped Me Get Out of Credit Card Debt

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Today I’m excited to share a get-out-of-debt-success-story with you. It’s actually the story of a life-long family friend, Stephen Gardner and his wife working together to do what many young families dream of: becoming debt free. Since we have been great friends for a long time, I was able to watch a few of the struggles and the

How to Calculate Your Real Debt and the Quickest-Least Expensive Way to Pay It Off

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It is often a good thing to take a look at a debt calculator to find the total Real Debt (debt+ interest) that you will pay and when you will have it paid off. If you use a tool like this  you can determine the least expensive way (least amount of interest) you will pay

How to Check Your Credit Score for Free

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Did you know that in order to own a cell phone you have to have a credit score (in almost all cases)? More often than not, you also have to have a credit score to rent an apartment, turn on utilities, get approved for a credit card, and sometimes to get insurance or even hired. A

How to Build an Excellent Credit Score & Ways to Repair a Bad One

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Having a great credit score is vital to saving money and creating better financial opportunities for yourself. Credit scores are a reflection of your financial accountability and responsibility. Thus, businesses, lenders, banks, credit companies, investors, insurance companies, utility companies (cell phone, internet, cable, gas, electricity, and water companies) even employers and land lords may be

What Are the Best and Safest Types of Investments

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Since starting my blog, I have seen all sorts of comments and reactions to investing advice… some have been quite heated. I have been asked about the safest and best places to invest. And I’ve even been scorned or told that I was wrong about certain ideas. So why is there so much confusion or

How to Get a Bachelors Degree by Age 20 With Zero Debt

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To secure a successful future, education is vital. Yet, degrees take an average of five years and thousands of dollars to attain. I graduated with my Bachelor’s Degree from a highly-ranked University at 20 years old. My parents wanted us to work for and value our education; thus we were responsible for paying for ALL of

The Difference Between Good and Bad Debt

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There is a difference between bad debt and good debt. Most everyone reading this will relate to consumer debt. It’s the debt that comes from buying things, from paying bills, etc. Investment debt is debt used to pursue a venture (opening a business, flipping a property, etc.) that will yield you profit. And although Dave

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