My Money

July 2010


5 Ways to Quickly Boost Your Credit Score

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Despite what all the advertisements say, there aren't many ways for you to increase your credit score quickly and legitimately. Many of the advertised tactics revolve around disputing old, negative information in the hopes that the original creditor won't respond and the mark will be removed. It's ...

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personal finance

The Best Credit Cards for College Students

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With the start of another school year fast approaching, now is the time for college students to decide how they will manage their money. The available options generally fall into one of three categories: credit cards, prepaid cards, or bank debit cards. Each has its own set of advantages and ...

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personal finance

The Best Way to Pay Off Debt

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If I learned anything from Star Trek, it's that humans, a community of which I consider myself a member, do not always make decisions based on logic. If we followed the mathematic principles of addition and subtraction, fewer of us would find ourselves in unmanageable debt. Aside for unexpected ...

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personal finance

8 Painless Ways to Save Money

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We all know how to spend less by sacrificing. From eating out less to buying fewer clothes to cutting back on vacations, saving through sacrificing can be effective, but painful. So if you are looking for ways of saving money, why not start with money saving tips that are relatively pain free?

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personal finance

How Compound Interest Really Works

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Putting money in a bank or credit union means you are paid interest for letting your money sit there, while the financial institution makes a profit by lending that money to others at even higher interest rates. It may seem strange to think of interest as a good thing, but if you are on the ...

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personal finance

5 Things You Should Never Put in a Dishwasher

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I finally got to use a dishwasher eight years ago, when I moved in with my then-boyfriend (now husband). I was ecstatic and dumped everything in it. Over the years, though, I have discovered that you can save money – and time – by being pickier about what you put into the dishwasher. Along the way,

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personal finance

A Poor Man’s Identity Theft Protection

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Identity theft is big business these days. Javelin Strategies, an independent research firm in the financial services and payment industry, reported that 11.1 million Americans were affected by identity theft in 2009. As more and more of our transactions take place online and we become more lax ...

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personal finance

How to Prevent Lifestyle Inflation

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The idea of lifestyle inflation is that as your earnings increase, your spending increases as well. What you considered to be an adequate car or house at a lower salary is no longer acceptable when you start earning a higher salary. Lifestyle inflation is not necessarily a problem, but it can be if ...

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personal finance

9 Surprising Facts About Your Credit Score

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A solid credit history and excellent FICO credit score – typically 750 or above -- are extremely valuable. A high credit score can save you tens of thousands of dollars in mortgage interest, lower your auto insurance premiums, and even help you land your next job. For all their importance, however,

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personal finance

5 Home Ownership Myths to Avoid

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Popular financial advice changes direction fast when a market experiences historic declines over a short period. Several years ago, financial gurus focused their attention on real estate. The advice that sold the most books suggested buying as much real estate as possible, using as much of other ...

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personal finance

Use Financial Roadblocks to Trick Your Brain

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Have you ever wanted to buy something online but didn't because your wallet was in the other room? How about when you saw something on sale in the store but didn't buy it because the line looked too long? Those roadblocks prevented you from spending and, for the most part, you weren't any worse off ...

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personal finance

Retire in the U.S.A. as Cheaply as Abroad

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Many companies in the United States outsource their call centers to India or other countries overseas. Some of these companies have brought their call centers back to the United States after discovering that they could improve customer satisfaction without much additional cost by using call centers ...

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personal finance