Category: Budgeting ideas

Popular DIY Credit Repair Tools

Published / by webadmin

There are many different popular credit repair tools out there for credit card and other debt.

Many of these are simple and easy to do while others are a bit complex and take a bit of time.

Let’s start out with the most popular tool – Your credit report.

This is one thing that you need to have in order to start repairing your credit. You need to get a copy of this report by asking each of the reporting agencies for a copy of your report. Then scan over it for inaccuracies and wrong information that could be causing your problems.

There are also online tools that will help you both manage and track your credit card debt. This helps you to see exactly where you have been spending and how much you owe. This way you will have a current debt analysis at your fingertips.

There are also several tools to prevent identity theft in regards to credit cards. These tools such as freezing your credit report and credit report monitoring are a good way to make sure that your information is on the up and up and is completely accurate.

Our next tool is having a budget and sticking to it! If you can keep a balanced budget, you will also learn to do this with your credit card debt.

This will parlay into keeping your credit card debt well in hand. When dealing with credit card debt, something else that can be used when dealing with credit card debt or repairing credit is the secured credit card.

This will help to rebuild your credit as you pay off the balance each and every month on time and this will be reported to the credit bureaus as a positive. This is a good way to rebuild credit.

A FICO credit score estimator can give you some idea of where you stand as far as your credit score is concerned.

This can usually tell you what type of credit score that you have in general. This should show you where you stand as opposed to the ratings of excellent, good, fair and poor as per the credit bureaus are concerned. This gives you a beginning to start from when looking at where you rank at the present time.

Negotiation is another tool that can be used to get your debt down in order for you to pay off the balance in a decent amount of time.

These tools are all useful when dealing with credit repair.

When used properly, they can help you to begin to repair your bad credit and turn it into good credit.

There are far more tools that are available than have space to be listed here in this article.

Bear in mind that this is not a quick fix, these tools will help you to turn your credit back around, but it usually takes about six months to a year for your credit to become clear and start to rise back up from a poor rating.

New budgeting ideas

Published / by webadmin

Just spoke about not having enough $$$ to buy a freezer . do you all know about freecycle ??? google it and it will get you to a national freecycle website . you can find groups in your state there … or to make it MUCH easier … look for them in yahoo groups . it is AMAZING what people will give away !!!!!especially if you live in a larger town /city / well populated county .people give away freezers all the time and plenty of other things to boot .

of course if you want to get rid of something , you can always ask there first , rather than throwing it in the dumpster or dropping it off at a thriftshop .

if there are more than one group in your area , join all ! i would recommend though to set your email preferences to indiviual emails . if you do digest by the time it finally gets to you its liable to be gone or spoken for . speed is imperative . honestly , check it out !!!!

what i have seen being offered : computers , cars , freezers ,, books , toys , clothes , furniture , food , bathroom decorations , christmas trees , fishtanks …. pets …cooking utensils … go join and start saving money by recycling !!!

freecycle is okay but it’s easier if you post a message telling what you need any giving a little information about why. right after my seperation i needed a bed so that’s what i did. when i went to get the bed frame the woman admitted that wihtout my message she’d have left the bed stored in her garage collecting dust.

also, check out big universities. i live about half an hour from Michigan State University. sometimes graduating seniors dump great stuff when they leave school cause it’s easier than hauling it all whereever they’re going. there’s also a store where the university sells off used furniture like desks, bunk beds, dressers, the odd bit of electronic gear, and even some mattresses. oh, and lots of bicylces. i think they also had phones, lamps, and things you’d find in dorm rooms that were replaced or left behind when students went home for the summer. i found th store listed in the phone book under the university heading.

We have a membership to costco

Published / by webadmin

We have a membership to costco and 2 teenage boys. talk about hollow legs! A lot of times it is fine to go with generic things, but we discovered early on it is better to spend more for some name brand products that DO taste better because it meant not only that our children would not waste food, but funny enough, they eat less because the better ingredients filled them up more than did the lesser priced who knows what is in it food. My mom-in-law also bought us a stand up freezer (love her!) a few years ago so when there is a sale, you can bet we are at the local grocery store buying and then freezing. milk freezes wonderful, just remember to shake it well when you unfreeze it, as ingredients settle. you can freeze almost anything.

recently discovered flour tortillas freeze great, and if you don’t want to slice cheese later, just grate it, it can be frozen also. eggs can NOT be frozen (interesting story with my children) and a few other things. buying in bulk at costco has saved us money. If you are in a city with local groceries, you save money on paper products and things NOT at costco, but otherwise, costco is the best. When the wednesday paper comes with the coupons, I make out a tentative grocery list for the week, subject to change. i take college classes a few nights a week and work during the day, so there is not a lot of time. Love the crock pot and making food for the freezer with instructions on heating it later. Stay away from pop and a lot of convenience microwave foods. Empty calories and everyone is still hungry. we are still learning!

eggs CAN be frozen !!!!! freeze the eggwhites in icecube trays , and when solid , put in freezer bags . i think the eggyolks will freeze if seperated and in milk . [ not sure about that though ] . but i just watched the foodchannel yesterday and that came up [ with the eggwhites ]

I started to look into this way of cooking but have decided (reluctantly) that I can’t do it. All i have is the small freezer with my fridge. It’s not big enough to hold enough food to last a whole month. there’s also no money to buy a freezer. But I can plan out menus to last a couple of weeks and buy enough to last that long. I also use the crockpot often. So nice after workign all day to come home to the wonderful smell of dinner cooking.