Have you ever made a bad financial decision only to realize it after it’s to late? Believe me I’ve been there several times from experiences from buying a timeshare, to timeshare resale companies, to getting the wrong mortgage. Yup, I’ve made some huge mistakes and they’ve cost me hundreds and in most cases thousands of dollars…
Layaway programs are back at many major retailers, and these convenient installment plans can make holiday shopping easier without resorting to credit cards. However, many layaway programs come paired with layaway fees. These fees can add up quickly, and there are other risks to using layaway programs. As with any form of credit, opening a…
This year, in addition to Cyber Monday deals, many retailers will be offering Black Friday deals through their websites. While it sounds like a great idea to avoid the mad rush of shoppers trying to grab the best deals at 4 AM the day after Thanksgiving, is it safe to buy online? When you’re questioning…
Everyone loves to receive a letter or invitation via old-fashioned mail, but thanks to email and cell phones these pleasures are few and far between for most of us. Between the drop in popularity of mailed correspondence and the switch to electronic billing on financial accounts, most mail is now junk mail. However, eliminating junk…
Negotiating with car dealers for a car purchase is better accomplished by extensive research on rebates, dealer invoice, holdbacks, and dealer incentives. Knowing how much a dealer paid for a certain car provides an estimate to what kind of offer might be accepted. Use online tools and make phone calls to dealers to obtain quotes…
Do you hate the thought of buying gas and paying $40, $60, $70, or even a $100 every time you fill up? I know just were you are coming from, in fact I’ve been their before. I use to have a job that required me to do a lot of driving. In fact once a week I…
Do you like to travel? If your like me vacation is the one time during the year were you look forward to the chance to get away from things and relax a bit. This is probably the one thing I almost always look forward to all year long. However a lot of times to take…