0% financing things to watch out for

7 Tips About Using 0% Financing from a Credit Card Marketer

I am sure most of you have come across a 0% financing offer typically when buying large ticket items such as electronics (TVs, cameras), large appliances, jewelry, mattresses, and furniture. 0% financing is also referred to as 0% promotional financing or “no interest if paid in full”. You might also come across 0% financing offers on lower ticket items because banks know they can make money. I have worked in the financial services industry for…

free annual credit report

Pull Your Free Annual Credit Report Before the End of the Year

  This is a public service announcement and reminder to pull one of your credit reports from Experian, Transunion, or Equifax by the end of the year. The only place you should do this is by going to the official site www.annualcreditreport.com. It is Federal law that allows each of us to get a free copy of your credit report from each of the 3 credit reporting companies every 12 months. Keep in mind that…

things to look for on your credit report and ways to build your credit

4 Things to Look For on Your Credit Report

As the year comes to an end, it is important to take advantage of the Federal law that allows you to pull your credit report every 12 months. The only place you should go to do this is by visiting www.annualcreditreport.com. This is the official website. The credit reports will not have an official FICO score. I recommend that you pull your credit report one at a time and spread it over the course of…

stop bad financial habits

6 Bad Financial Habits That You Need to Monitor

All of us have bad financial habits, right? I had some horrific financial habits in my 20s and even to this day I still have not cut some of those bad habits. Are there bad financial habits that you are trying to quit? Here are 6 bad financial habits to monitor and eventually quit Buying coffee, munchies, or lunch nearly ever day – this is a matter of laziness. I admit it. I am way…

biggest debt traps

11 Biggest Debt Traps

What are some of the biggest debt traps? The word debt is about as cringe worthy as it gets. I am certainly caught in some of these debt traps. This post is inspired by this 2 Cents Lifehacker article.I hope many of you are in the process of getting out any of these 11 debt traps. Here are the 11 biggest money debt traps Student loans (government/federal loans or private loans) – I know all…

top easy money saving rules

My 9 Top Money Saving Rules

What are your favorite top money rules that you (try to) follow? I referenced blog posts from NerdWallet, The Simple Dollar, and The Practical Saver to create my top money rules. My 9 top money rules Pay yourself first – a lot of the financial gurus, ninjas, influencers really preach this. Whether you work a traditional 9-5 like I do or work for yourself through your own business, set aside a percentage of your income and…

A Money Finance Blog – Beginnings of a Money Moron

I am a money moron. I REALLY am. I kid you not. Hear me out. It started when I was applying for college. Apparently I decided during my junior/senior years that I was going to get into MASSIVE student loan debt by attending an out of state 4 year Big 10 university. Apply for scholarships? Maybe just a few because it took SO much of my free time. I was a champion of senioritis. $40,000…

I started a finance blog. Welcome to my first post

Welcome to my finance blog. Yes, I am a money moron. Really. You should check out my future posts. Check my about me page to get a 50,000 foot view of who the heck this money moron is. I am in my mid 30’s. I do not have a family I support and do not have kids. I do like to help out my parents though such as buying my mom a plane ticket overseas…

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