Paying Up

HAPPY NEW YEAR!
We have entered into the year 2008 and it is time to take charge of our credit cards.  Many consumers have entered this year giving away too much money.  Did you get any credit card cash advances during the holiday?  Do you know that the interest rate is higher than your purchase rate?  We pay a very high cost to use cash advances from our credit cards. 

If you wait, your credit card company will send you some checks periodically.  The checks that you are sent can be used as cash for a much cheaper fee.  Many times you can save as much as twenty percent interest to use those checks.  With the economy headed toward recession you need to spend your money more wisely.  

In these times of economic turn down don’t sign any long term contracts with a fixed interest rate.  In time of recession, variable interest rates works out to your advantage.  In a healthy economy the fixed interest rates locks your interest rate at one level. If you can refinance or renegotiate your contracts now is the time.  Stop spending a lot a money and start saving more and you will see prices drop.  We pay 30 to 40 dollars late fee on card bills.  You can save yourself hundreds of dollars and save your credit standings.  Stay tune and I will continue to show you how to save more money in the future.  Don’t be jerked around with these modern day tactics.

Your consumer advocate    

HAPPY NEW YEAR!!  hoping that everyone is prepared for a prosperous new year.  Everyone will notice big economic changes in year 2008.  Year 2007 left many merchants disappointed with consumers spending over the holidays.  Homeownership foreclosures have increased greatly and climbing.  Sixty percent of consumers in this country has over $30.000 (dollars) in credit card debt.  Banks are raising interest rates like crazy.  Home ownership lenders are closing up cause homes are not selling.  We are in for a rough ride this year 2008.  The notion of recession has come up frequently already.  Time to tighten up on your spending before its too late.  

Order your annual credit Report and check your credit history.  One credit report annually is free under the (Federal)Fact Act  per year.  http://www.annualreport.com   will allow you a chance to see your credit report and order your credit score before you try to obtain credit this year.  If you can answer the questions correctly, you can print your report immediately. This report will help you check for possible ID Thief fraud.  Be wise and review your credit history.  Happy spending in 2008. 
~Debt Survivor~