Frugal Tips

Frugal tips for all. Simple ways to save and earn.

Archive for the ‘Live Debt Free’ Category

Want to kill your credit score instantly? No problem. Here are five easy ways to kill it fast.

1. Every time you visit a store, apply for their credit card. Every time you do this you will not only get a new attractive piece of plastic and a 10% off your first purchase (something that you really didn’t need), but you will lower your credit score by 5 points every time you open a new card.

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Declaring personal bankruptcy should be your last resort. You probably heard it many times from many different people. While this is true and filing for bankruptcy should be avoided at all costs, bankruptcy does have some pros.

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If you owe more than $10,000 on a credit card, it is time to reconsider the way you are paying your debt off and contact your credit card company.

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Professional Debt Management

Sep-28-2017 By Frugal 101

Free debt consolidation means converting number of unsecured loans into an unsecured loan or secured loan backed by an asset, that acts as collateral. In case of non-payment of loan, the lender can sell the asset and get back the amount given as the loan, and since, the risk of lender is less in case of secured loan, the interest rate of secured loan is lesser than unsecured loan. Many companies act as debt consolidator and discount the amount of loan. One can consolidate all the monthly debts into single reduced monthly payment. Even in case of bankruptcy, the free debt consolidation can be used where the debt consolidator will buy the loan at discount but decision of consolidation should be weighed properly since consolidation can affect the ability of debtor to discharge debt.

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Searching for debt reduction help can be frustrating, because the Internet is flooded with articles, websites and help offers, each of them is claiming to be the best. While you can’t do much damage reading the articles and browsing websites, finding a good professional help is crucial.

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Four Greatest Credit Card Myths

Aug-16-2017 By Frugal 101

Here are the most popular credit card myths:

1. My card isn’t really open until I activate it.

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Reducing credit debt is one of the biggest concerns of many American families. As a nation, Americans have one trillion dollars just in credit card debt.

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Many people mistakenly think that living debt free is not possible in today’s world. However, this is not true.

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More Painless Ways to Save Money

Jul-5-2017 By Frugal 101

Whether you were forced to cut your spending by the unfortunate circumstances or decided that spending less is a good new year resolution, these tips will help you reach your goal. Here are some PAINLESS ways to save money:

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How to Raise Your Credit Score Instantly

Jun-27-2017 By Frugal 101

If you want to raise your score instantly, there are a few simple things you could do.

1. Call your credit card companies and see if you can raise your credit card limits. Remember, this is not an invitation for you to start spending more money. This is simply done to increase your total credit. You credit score depends on the difference between how much you owe and how much credit you still have available. The bigger the difference the higher the score.

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