A Quote by Michelle Singletary
The key to making sure your credit stays good is paying the bill on time. If you are paying the balance off even if there is something on the card in recent purchases, you are good.
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We can think about how we reduce the pain in paying. So, for example, credit cards are wonderful mechanisms to reduce the pain of paying. If you go to a restaurant and you are paying cash, you would feel much worse than if you were paying with credit card. Why? You know the price, there's no surprise, but if you're paying cash, you feel a bit more guilt.
If you have a choice between buying something and paying down your credit card, pay down your credit card.
Credit card companies are jacking up interest rates, lowering credit limits, and closing accounts - and people who have made timely payments are not exempt. So even if you pay off your balance - and that's tough when interest rates are insanely high - there's a good chance your credit limit will be slashed, and that will hurt your FICO score.
I have no credit cards. That was the decision that was made jointly by the credit card companies, and by me. I can't say that that was completely on my account. I buy nothing on credit now, nothing. If I can't afford it, I don't buy it. I have a debit card, that's all I have. Any debt that I have, I am paying down.
The important thing to remember is it's not about balance; it's about integration... to really focus on making sure you're integrating all four aspects of your work, your family, your community and yourself. And it's not about trying to spend equal amounts of time on everything you do each day on each of these things, but making sure you're paying attention to all the things that make it up as a whole human being.
Whether we are working to pay off student loans, credit card debt, paying for elder or childcare, or even trying to save for retirement, the idea of the American dream still remains just that - a dream.
There's also consumer debt, the credit card debt that burdens many of the working families in America. Yes, we talk about national debt, and we're paying a lot down. But you're fixing to hear me tell you part of the remedy for people who have got a lot of credit card debt is to make sure people get some of their own money back.
The minute a Wall Street firm purchases your debt, your bank no longer has it on its financial statement, which then allows the bank to look for more credit card customers. That's one reason why you get so many credit card offers.
I try to use my debit card rather than a credit card, but I will use a credit card for big purchases because I bank with Coutts and I get points.
Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.
Retirement shouldn't be making the choice between buying much-needed medication or putting food on the table; making the choice between heating an apartment in the cold winter months or paying rent; making the choice between paying a phone bill or seeing a doctor.
I commend the parents who are sending their children to a Catholic school, because they're making a sacrifice, and they're paying twice for their child's education: They're paying the tuition, and they're paying taxes.
But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.
If you do not have at least an eight-month emergency fund, and you think there's a probability you could loose your job - and it's not just losing your job; you could be in a car accident, get sick - continue to pay the minimum on your credit card every month. Everything beyond that needs to go to establish an emergency fund. And if you have an emergency fund saved, then fund your retirement account before paying down credit card debt.
I like it when you buy something and pay with a credit card, they put your credit card on the receipt, but only the last four numbers. Aha! I'm really good at guessing twelve numbers. I can't guess 16 numbers, so thanks for the assistance!
People get hired based off of a certain look or something like that and they have no intention of paying their dues or even respecting the business. It's not a good idea to do that.
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