Credit Cards, Reports & Scores

Debt Consolidation vs Credit Counseling vs Bankruptcy

Hearing about Ivan’s financial situation on NBC’s Today Show made me flash back to my own college days when I, too, was in debt up to my ears. Jean Chantzky’s recommendation for Ivan was basically to try credit counseling. Here’s why, plus what to look for when you’re trying to find a reputable credit counseling company…

Let’s See… Cash, Cash, or Cash?

For most of my adult life, I refused to carry cash. Recently, I’ve had a change of heart. Here’s why I think paying with cash is the best way to go — most of the time.

WARNING: Here’s Why You Should Never Use A Debit Card To Pay At The Pump!

Debit card blocking is where gas stations, rental car agencies, hotels, and others ‘put a hold on’ a big chunk of your money if you use a debit card to pay for gas, reserve a rental car, hotel room, etc. In effect, they’re ‘freezing’ your account, or billing your account for an amount that’s very likely more than you intended to pay for that service. They say it’s for their protection…