Get a Fresh Start in the New Year

The start of a new year is also a great time to get a fresh start on your credit… in fact, once those Christmas bills start rolling in, many of us will be looking long and hard at all kinds of ways to cut expenses! Interest rate too high? Maybe it’s time for a different credit card with a low introductory rate! Too many open balances? Consolidate them into a personal loan! Want to pay off lots of small balances? Why not get a balance transfer card and combine all those little credit cards onto one credit card? Look for the one with the lowest interest rate, the best balance transfer terms, and the longest introductory period!

New Year’s is also a great time to do an overall review of your finances, too. Personally, I am beginning to gather the materials for my tax returns and I’m planning my budget for the new year, setting goals, studying where I can save money, etc., so this is the perfect time for me to do my annual review of my credit cards, credit lines, open balances, and so forth. It’s also the perfect time for me to decide if I need to transfer a balance, update a personal loan, or even refinance my house or car.

But what if your credit is not so good? What if you really need to work on your credit score? Well, the good news is, it’s also a great time to get a fresh start on your credit score! Let’s face it, most of us take a little hit on our credit score every December when we use those credit cards to do our Christmas shopping! So, most of us are looking to improve it after the holidays… Why not start working on yours right now?

Ready for Summer?

Now that Spring Break is behind most of us, it’s time to start thinking about summer!  That’s right, summer!  And you know what summer means?

SUMMER VACATION!

Wait.  You’re not sure you’re going to be able to take a vacation this year?  You’re still working on your budget?  Trying to figure out how you will afford a vacation this summer? If that sounds like you, we might just have something that can help you save enough money to take that vacation!

In fact, we might just be able to help you save a lot of money.  It all depends on where you are right now in your finances.  Although most people don’t realize it, one of the easiest ways to save money is by cutting interest rates on credit cards.  That’s right.  If you can cut your interest rate, take advantage of an introductory 0% interest rate, or get just the right rewards card, you can save money without even trying!  No cutting back on anything.  No doing without.  Almost NOTHING changes, except you’ll either have more money in your pocket each month OR you’ll pay those credit cards off much sooner.  Either way, you’re saving money, or earning rewards!

Still not convinced?  Why not let us help you decide?

A Fresh New Year

As the year winds down and the new one starts, we’re all finding the first of many Christmas bills landing in our mailboxes every day.  Rather than start the new year off with the old year’s bills, why not start the new year off with a fresh start on all those Christmas bills?   With a simple balance transfer, you can combine one or more of your high interest credit cards with a new credit card with a zero percent introductory interest rate!  Not only will you save lots of money on interest, but you may actually cut down on your monthly bills, too!

Wouldn’t it be nice to be able to make one payment instead of several? Wouldn’t it also be nice to see the balance on one credit card dropping lower and lower every month until it’s completely paid off?  With a 0% introductory rate on balance transfers, it’s actually possible!  

Where do you start?  First, sit down with all those monthly credit card bills, see what you owe, and how much you’re paying in interest charges.  Then, check out the balance transfer options for your credit score range.  And finally, apply for the one card that offers you what you need.  Some cards have a longer introductory period than others, while others offer cash rewards, lower or no fees, and more!  Make sure you study them carefully and read all the fine print, but chances are, you’ll save both money and time.  Just make sure that you plan ahead and pay off the balance transfer before the introductory period expires!

Here are some of the freshest balance transfer offers out there!