Simply Frugal. Simply Healthy. Simply Happy.
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While I don’t recommend using credit cards to rack up debt, the unfortunate truth is that maintaining a credit history can be an important part of good finances. After all, your credit history is what determines interest rates and credit-worthiness for even “good” debts like mortgages and (sometimes) car payments. Even if you have a [...]
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Tony and I have been credit card debt free since January of this year. But for the past couple of months, we’ve started using our cards again every month. Don’t worry, it’s not what you think. We still don’t carry a balance, and we probably never will again. But we also don’t want to leave [...]
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One thing I’ve learned from the mortgage and lending crisis — you can’t be too familiar with the terms and conditions of your loans, investments, and credit cards. Now that we’re facing a credit crisis, it’s more important than ever that you’re familiar with the policies of your lenders and investment firms as some institutions [...]
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photo by b.franchina This morning I sent my final payment to American Express. We’re officially credit card debt free!! In the past year, we’ve paid off almost $5,000 in credit card debt. I’m pretty proud considering how low our income was for a big part of the year. :) Unfortunately, we still have quite a [...]
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This week I received the loan application and promissory note for my private student loan consolidation. According to the letter, I’ve been “conditionally approved.” If all of my paperwork is sent back correctly and verified, I’ll be actually approved. If I’m able to consolidate these loans, I’ll cut the interest rate and minimum payment almost [...]
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Last night I called Chase to find out more information about consolidating my private student loan debt for a lower interest rate. I was hesitant to call. With the stock market rebounding yesterday, part of me wanted to wait another week or so to see if the credit market stabilizes a little. The truth is [...]
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