• CHANGE.

    How Credit Cards Can Backfire On You

    Ok, in many of these articles there are explanations on how to manipulate your credit score and interest rates to save and make you money.  Here is the very slippery downside to this…its called human error. Also known as lust, gluttony, greed, sloth, wrath, envy, and most of all pride. Most credit card debt is accrued from individuals living higher on the hog than they really are.  There are different motiviations for this, some listed in the previsous sentence.  Credit cards give people access to living high on the hog without neccesarily havin ghte means to do so.  Basically what I am saying is, with great credit comes great responsibility.…

  • CHANGE.

    Things You Can Do Today To Achieve Your Money Goals…Tomorrow

    Ok, maybe tomorrow you won’t see much of a difference, but in a month, you will, and in a year, you may have to come up with new goals because this article helped you accomplish your current ones  Do an income/spending ratio analysis to inform yourself where you are at. The first thing to hitting almost every goal, including your money goals, is to be well informed.  When hitting your money goals, you should know how much money you are spending and on what, to reevaluate your situation. Look at how much money you spend on the big required stuff like Rent, insurance, student loan payments and car payments.  Then…