Category: Credit Card Debt
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11 Money Habits and Tips I Wish I Knew When I Was In My 20s And Still Helpful Today
A while ago, I wrote a piece about a conversation I was having with a colleague and the money tips I gave to a person in their 20s. In reality the money tips should be helpful no matter what age you are. This post is inspired by the many readers from the sports cards community…
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How I Raised My FICO Credit Score From 500 to A Near Perfect 850 Credit Score
It took me 8-10 years to crawl out of the lowest point in my FICO credit score career from well below 500 to getting above 700 and then another couple years to sniff a near perfect 850 credit score. I made many money moron mistakes in my 20s that deservedly made my credit score bottom…
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Podcast Episode 2 Sharing My Embarrassing Money Moron Moments and How Podcasts Saved My Financial Life
Although my About OMG My Money page has details on my personal finance journey, I think hearing the money moron moments directly provides another layer of OMG-ness. In this episode I share my embarrassing personal finance disasters, how I became debt free, and how podcasting saved my financial life. Why Start OMG My Money I…
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How The Debt Avalanche Method Can Help to Pay Off Your Debts
I am very excited to have this guest post from financial writer, Good Nelly. Contact me if you are interested in contributing or advertising (on the cheap!). Are you struggling to repay your multiple credit cards and other bills? Do you want to repay your debts on your own? If so, you can select the debt…
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5 Dumb Excuses I Made For Not Saving Money
I made some dumb financial mistakes in my 20s such as defaulting on my student loans, but it all started with not saving money. This was the catalyst for all my eventual money mistakes. I want to share the excuses I made for not saving money in hopes of encouraging you to start saving money…
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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…
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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…
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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…
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My 5 Biggest Money Mistakes
I have made some of the worst money mistakes any person can make. It took me at least 10 years to recover from these money mistakes in my 20s and I have been paying for these mistakes to this day. What are your worst financial mistakes and how have you or are you recovering? Here…
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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…
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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…
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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 preach this. Whether you work a traditional 9-5…
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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?…
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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 late 30’s. I do not have a family I support and do not…
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