 Can you get credit cards with a credit score of 650? |
| I just checked my credit score and it has gone up from 570 to 650 in two years. What could I expect if I applied for a credit card or tried to refinancing my home with a 650 credit score?... |
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 So, i'm having an argument with my friend? |
| about identity theft. i just don't understand how people get away with it. say someone opened a credit account using someone else's info and made a bunch of purchases online with it...... |
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 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
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 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
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 Hi i want to take a 10000 loan out start the new year a fresh and all sorted willing to set DD up etc? |
Hi there I want to start new year afresh willing to be open to offers re interest etc anyone genuine be able to help
make our life such a difference
had ccj so bank ... |
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 What is the best bank? I want to open an account and get a debit card? |
| Are there any banks that are offering special deals or gifts when you open a new account right now?... |
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 I screwed badly, I have $7,000 USD in debt with my Credit Card and no money to pay it back...? |
| Credit Card has been cancelled, and I receive a lot of calls from Colection Agency ... what can I do?... |
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 We have 15K debt from 3 credit cards? |
we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt...
we want to ... |
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 Is it better to close a credit card or? |
just keep it with a 0 balance?
Thank You :)... |
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 How can I take advantage of having good credit? |
| I live in SoCal/housing is too expensive to consider purchasing at this time but I have good credit- what else can I do to take advantage of this and remain responsible?... |
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 What are ways you can gain credit? |
| I have zero credit, and I don't want a credit card. What other ways can I improve my credit score?... |
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 I have a joint credit card with my future husband. We both have perfect credit. My mom insists we cancel it? |
| now. She states that I have made a huge mistake in my credit future. However, prior to opening the account, we (Adam and I) went to our financial advisor who stated that it would be very good for our ... |
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 Advice on prepaid credit cards in the UK please? |
| Hi. I have a bad credit history and have only got an electron card. I don't want to get anymore credit but would like a credit card so I am able to book things and buy online.Does anyone know ... |
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 I 'm 25 single mom. I working on paying off my debt. How soon does these payments show on your credit score? |
| I owe about 7 thousand dollars spread over 4 seperate accounts. My student loan is the biggest of all @ 5thousand dollars. I am making my monthly payments but not always on time. I also have 3 more ... |
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 Hi i defaulted on a store card 8 years ago and it has been sold and they are chasing me to pay ,do i have to? |
| i was paying this through a debt management company along with other debts,all the other creditors stopped the intrest and have all now been paid,but this one company didnt stop the intrest so i ... |
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4everNlove | I've been having some trouble not going over drawn in my bank account I need some help!? |
Ok so I have been trying REALLY hard to save some money and keep on track. But it seems that everytime it comes to pay day I'm over drawn and my check being deposited is going to cover the money I over spent last pay check. I am horrible at managing a check book and just need someone to help me figure out how to fix my problem. I don't shop a lot I would say I go shopping once or twice a month. I don't know where all my money goes. I make pretty good money and I have a car payment and insurance and my phone bill and thats' it. Along with day to day stuff like food. is there a service people provide to help people like me manage their money or something. I need some real help!!!!!!! |
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Bella
 |
There are services but they cost.
I can help, I have formatted an excel spreadsheet.
All you have to do is plug the pay (credit) in the right place and the bills(debit) in the other and it calculates it all for you.
But you have to have excel on your computer, if not I can help with that also.
And I also agree to take out in cash your allowance for the week, including gas and food. And when its gone its gone.
If you want the spread sheet email me @ abradshaw0203@yahoo.com and I will give it to you. |
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Rhuby
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the easiest way is to use cash for your daily spending.
write down how much you make, then subtract all your essential bill payments from it.
With the amount you have left over set aside a percentage for savings then withdraw the rest. This is the only money your allowed to spend. when you run out of money, you cannot buy anything else.
When your using cash, it's much more obvious when your spending more then you planned. |
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Megs
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Ok here we go... I used to have the same issue as you and here is what I did... it worked for me so hopefully it will help you out too... First I made sure to have a savings as well as a checking account... every week put you paycheck into your checking and then transfer the funds you would like to save over to your savings account... DO NOT touch your savings account no matter what... you can only spend the $ in ur checking... If your bank is anything like mine, you only have a debit card for your checking so it shouldn't be a problem to leave your savings account alone... Hope this helps :-) |
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KELM
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Most banks offer a over with drawl protection for a small amount monthly. Make sure you are using a checklist of what you are spending. What you make minus what you spend = what you have left in your bank account. |
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G
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expenseview.com is really cool thing that can help you keep track of where you're money is going. It has you pick different categories for income (like for me I have one for my one job, one for my other job, and one for miscellaneous) and expenses (I have things like rent, eating out, groceries, gas, birth control, each bill i have, etc). After using it religiously for a month (Adding each expense and income amount right after they happen), you get a feel for where your money is coming from and going and you can then budget accordingly. For instance, in February I saw that I spent almost $600 eating out! That's more than I pay for rent! So I put in my budget for eating out at $400/month and now i can see when I'm approaching my limit and cut back on going out to eat so much. It's the middle of march and I'm only at $245 so hopefully I'll stay in budget!
It's a really handy thing, if you use it right. You can also put a "gadget" linked to it on your google home page so it's always right there and you remember to use it. |
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Agent 40
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Get a blank 8.5 x 11 paper. On top write monthly expenses.
Start with payday amount after taxes. Start subtracting out car insurance, groceries, car maintenance, rent, utitlities. See whats left at the end of the equation.
go to a site that compares auto insurance quotes. I am saving $40 dollars a month when I switched car carriers insurance in the USA.
Buy generic groceries if you have to. Buy clearance clothes. Stay within your budget! Work p/t on your days off like a cashier at a fast food place. Only work 4 hours or 8 hours a day on day off, would be better for your budget, get the same work schedule hours you work on your normal job. |
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bud68
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Its not rocket science: if the money isn't in your account, don't spend it! You might want to read "Personal Finance For Dummies." |
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just me
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if you write everything down in your checkbook and keep track of it that way, a good way to have extra in your account is to do this...say you write a check for $5.25...write down $6.00. This way you will always have a little extra in there. |
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magy
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First things first- get a notebook, write down EVERY penny you spend, even if it's .75 for a coffee on the go- you will be surprised to see where your $ goes. Until you get this under control, NO MORE SHOPPING.. Cut back to the bare bones, take it from there- once you stop paying who knows how much in overdraft fees every month, and can really account for where your $ goes, you will get back on track. Also, be sure to balance your checkbook to the penny- keep all receipts to do this and match up at the end of the month. You absolutely can do this- will just a take a little time to sort out- first step is to see where you're spending. |
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Maria2Blue
 |
You have to learn to subtract sweetie.
*Paycheck* -
*whatever you buy* =
*how much money you have left*
***Aha, so you do need math after all. |
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CrackBerry Addict
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What helps me is keeping what is called a zero-based spending plan (i.e. budget). What I do is write down how much I will get paid in a pay period. Then I allot money to different categories until the remaining amount is $0. So that means I have money alloted for savings, groceries, entertainment, etc. So, when pay day comes, I just look back at that plan and know exactly where all my money is going.
Once you start writing down or keeping track of your money, you will start to see where it goes. You might want to start by tracking everything you spend for a month. Anything you spend money on, write it down. You will be surprised at where it goes and how that seemingly little bit really adds up. |
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