Back to School

Now that summer vacations are nearing an end, and we’re all in the midst of late summer, with all it’s heat and humidity, it’s time to start thinking about that next big hurdle. Getting the kids ready to go back to school! Not only is it stressful, what with all the lists of things they have to have, but it’s also very expensive.

From new clothing, new shoes, and, of course, ALL of those school supplies, you can spend a small fortune before they ever set foot in the door of the school next month! (And this does not even include all those book fees, lab fees, classroom fees, and the cost of extracurricular activities! What’s a parent who is strapped for cash to do?

Here’s an idea! Why no do what our parents, and even their parents, did? Instead of trudging through the big box stores, the mall, and the outlet stores, why not order most of what the kids need online? With the right catalog shopping site, you can get almost everything they need AND you don’t have to shell out all that cash at a time when most of us are broke from summer vacation!

Catalog shopping… I know you remember it. Your Mom would get these great big catalogs in the mail, and you’d spend hours looking through the clothes, shoes, toys, and stuff, dreaming of all the things you wanted. Then, she’d place an order, either over the phone or by mailing in a form, and in a couple of weeks, the order would be delivered. Opening those boxes was almost as good as Christmas morning! Of course, now you can place your order online, and most places deliver within DAYS instead of weeks, but the excitement is still there and so is the value. These days, most catalog sites have competitive pricing, free shipping, and LOW interest rates… all the things you need when you’re trying to save money and get the kids back in school!

Think this might be your back to school solution?

Worried that your credit is not perfect? Many of our catalog shopping vendors will work with you to ensure that you’re able to buy what you need, and even better, you just might be able to improve your credit score in the long run!

36 Weeks Until Christmas Eve

36 weeks from today is Christmas Eve!

Yes, that was the post on my Facebook News Feed just a few minutes ago.  Even though that seems like a long time from now, it’s only nine months, or a mere 18 paydays if you’re paid twice a month.  Now that’s scary, isn’t it?  Chances are you’re still paying off the bills from LAST Christmas, too.

Well, this year, why not get the drop on your Christmas shopping by starting early!  I know, April seems like you’re starting way too early, but think about it.  If you start now, you could actually have Christmas bought and paid for by the time December rolls around.  Or, at the very least, you could have your Christmas budget all worked out AND have the credit you’ll need to actually be able to afford Christmas all in place.

But wait.  What if your credit is no where near where you need it to be?

Believe it or not, you still have some pretty good options.  And these are options that might even help you improve your credit score between now and then.  Of course, secured credit cards are always a great way to build your credit score, but did you know that catalog shopping sites are also a great way to work on your credit score?

That’s right, catalog shopping sites not only work with most people to get them the credit they need, but they also report regularly to most of the major credit bureaus.  And if you are a responsible customer who uses their credit wisely and pays all their bills on time, most catalog shopping sites will increase your available credit over time.  That increases your available credit, which helps your credit score, too!

So, go ahead, start thinking about Christmas 2019 now!

You might actually find that you’re in a much better position to actually afford this year’s Christmas shopping than you think.

No Money for Christmas?

Even though the economy is a lot better, it’s still hard to find the money to buy Christmas presents!  In fact, there are times when it is nearly impossible to squeeze a few extra dollars out of your monthly budget, and this makes Christmas one of the most stressful times of the year for most of us.  But, if you don’t have the money for Christmas, you do still have a few really good options to get the gifts that you need and not completely ruin your budget.

Of those options, one of the best is to consider applying for credit with a catalog shopping site, like a Fingerhut Credit Account issued by WebBank , so that you can take advantage of one of the many holiday promotions that they’re offering this month!  From free shipping to no payments til Spring to low, low monthly payments, if you’re looking for the best way to buy gifts, you might want to look at catalog shopping.

Oh, and yes, there is still time to get approved, place your orders, and have everything wrapped and under the tree before Christmas!

Christmas is Upon Us Once Again

It’s almost impossible to believe, but it’s here again… time for Christmas shopping!

It’s literally just a little over 3 months until Christmas Day. How’s your Christmas budget this year? Do you have the cash saved up to buy all those gifts? If not, how’s your credit score? Do you have enough room on a credit card to charge it all? Do you have a credit card? Do you have credit?

You see, if you don’t have the extra cash or the credit that you need, your Christmas season quickly becomes the most stressful time of year… you try and you try to figure out where you’ll get the money for even just a few nice gifts for your family, your spouse, or your kids. And if you don’t have the money? Or a credit card to use? Relax. You still have options.

Fingerhut has long been known for working with those of us with less than perfect credit. Not only will they extend credit at times when others won’t, but opening a Fingerhut account might even improve your credit score!

So, go ahead – apply now and get the credit that you need to do this year’s shopping AND work on your credit score while you’re at it!

Planning Your Christmas Shopping Yet?

Last month, I wrote about the school supplies flooding the stores in anticipation of the onset of back to school shopping… hard to believe the kids are already back in school, isn’t it? Now we’re beginning to see Halloween decorations, Thanksgiving dinner ideas, and even Christmas decorations appear in the seasonal merchandise aisles, but it’s true. Yes, Christmas is literally just around the corner, and you know what that means? Yes, it’s the most expensive time of the year!

How will you afford this year’s Christmas gift giving? While there are a select few who have faithfully been saving all year, the rest of us will end up having to rely on Christmas bonuses from work, credit cards, and catalog shopping as a way to afford all of the Christmas gifts that we end up buying every year. And for some of us, even that can be a struggle, especially if you really don’t have the extra money, or you’ve had a financial setback recently.

Personally, one of the best ways that I’ve found to recover from those financial setbacks, as well as those severe cash flow shortages, is to consider doing your Christmas shopping through Fingerhut. Not only do they have nearly all of the big, brand name, most requested gifts available at competitive prices, but Fingerhut is well known for working with those of us with less than perfect credit, so not only can you get the credit you need to do your Christmas shopping, but your responsible use of that credit can be used to improve your credit score, as well.

You see, Fingerhut reports your available credit and your timely payments to all three of the major credit bureaus, so over time, and assuming that you’re seriously working at improving your credit score, most people see their credit scores begin to rise as these two factors are the most important ones on your credit report. And, Fingerhut is really good at increasing your available credit over time, too, so you’ll always have the credit with them that you need to buy those important gifts, or even something for yourself.

Isn’t it time to start planning your Christmas shopping?

(Did I mention Fingerhut’s Christmas Catalog? It is AWESOME!)

Christmas is NOT That Far Away!

The other day, I was in one of the department stores near my house, and I noticed that they’re already pushing school supplies.  Row after row of school supplies, as a matter of fact.  Then, it dawned on me.  Once school starts, the stores will be putting out Halloween and even Christmas decorations… in less than a month, we’ll start to see them.  And Christmas is now only five months away.

Have you figured out how you’re going to pay for this year’s Christmas gift giving?

Wait, you’re still trying to figure out how to put the kids back in school, right?  And now we’re talking Christmas?  Yep, Christmas really isn’t that far away, is it?  And if your money is as tight as mine at times, just the thought of having to come up with the money for Christmas triggers a sick little feeling right in the pit of your stomach, doesn’t it?

So, how will you afford Christmas?

You know, one of the best ways that I know to do your Christmas shopping when you don’t have a lot of money is to use a trusted catalog shopping site, with a credit program like the Fingerhut Credit Account issued by WebBank.

The thing that I like about Fingerhut, to be very honest, is the simple fact that when my credit was bad and no one else would even work with me, Fingerhut issued me a credit card for their site, and not only was I able to afford Christmas, but they also reported my regular payments to the credit bureaus, then rewarded my responsible monetary behavior with more available credit.  In fact, I probably have more available credit with Fingerhut than I do with any other creditor (and now that my credit score has bounced back, I actually have other credit cards, too).

So, when someone asks you how you’re paying for this year’s Christmas?

You might want to consider one of these catalog shopping sites:

 

Back to School Shopping Starts Soon!

Even though it’s only been a couple weeks since school let out for the summer, it’s no secret that summer vacations keep getting shorter and shorter.

back to school
Fall is just around the corner!

In fact, there are already schools in our country that go year around.  That’s why you might want to start thinking about this year’s back to school shopping expenses sooner rather than later!

Let’s face it, it costs a lot of money to get the kids back in school every year – between all the fees, books, and other required gear for school, there usually isn’t much left for new clothes, shoes, or even that computer that your oldest needs to start college this fall.  What’s a parent to do?

Well, here’s an idea… Why not start your back to school shopping now?

Rather than wait until the week before (or even the day before) school starts, you can go ahead and get some of the necessities out of the way now, then maybe your expenses won’t seem so insurmountable later on, when it’s time to pay those hefty fees to the school.

Especially if you shop online, there are deals EVERYWHERE right now!   All of the major retailers are running specials, sales, and promotions galore… and you can take advantage of those savings to spend less or get even more for your money.  And if your money is tight?  What then?

Well, if your cash flow is limited, you might want to think about opening a Fingerhut account, so you can still take advantage of their online specials and sales but you’ll have plenty of time to pay for your purchases.

Worried about your credit score?  Relax.  A Fingerhut account might just be easier to get than you think!  Fingerhut has a reputation for working with those of us with less than perfect credit  – so don’t delay, open your Fingerhut account today!

 

Get a Fresh Start with Store Credit Cards

Need a fresh start on your credit?  Having trouble rebuilding your credit after you’ve suffered a serious financial setback?  Maybe you haven’t ever really had any credit but want to start building your credit score for the future?  While store credit cards may not provide the same flexibility as traditional credit cards, they are usually a pretty good option if you’re trying to build or rebuild your credit score, but before you sign up for just any store credit card, make sure you study the fine print.

Here are a few things to look for with store / catalog shopping cards:

  • Credit limit – Many store credit cards start out with a low credit limit, but over time and with a good payment history, your credit limit will typically increase.  You can actually use these increases over time as they will increase your available credit, and may increase your credit score, as well.  (Just remember to keep your credit utilization under the 30% recommended by the credit bureaus.)
  • Interest rates – Some store credit cards will have a higher interest rate than the national averages, however, if you’ll be utilizing the card to rebuild your credit score, this may not be a big factor, especially if you plan to pay in full on a monthly basis.
  • Limited usage – Most store credit cards are limited to the store or catalog shopping site that is extending the credit to you.  Again, if you’re utilizing the credit to rebuild your score, this isn’t a factor.  The important thing is to get the available credit onto your credit report.

Choosing the right store/catalog credit card can make it much easier to get that fresh start on your credit, but there’s more to it than just signup up for the first store/catalog card you run across – always consider your options carefully, make your purchases carefully, and have a plan to pay back anything that you charge.

 

 

Freshen Up Your Credit with Fingerhut

Spring is here!  And with spring, many of us are starting our spring cleaning… dusting, mopping, washing, and replacing things all over the house…

Have you ever thought about freshening up your credit while you’re at it?   That’s right.  You can do a little spring credit cleaning while you are doing that spring cleaning around your house!

How do you spring clean your credit?  One of the first things you’ll want to do is to inspect your credit.  Look at where your credit score is, how much available credit you have, and what you can do to improve your credit.  The easiest way to do that is to check your credit report on one of the many sites that offer access to your credit report and scores.

Once you’ve seen where your credit score is, you may decide that you want or need to increase your available credit, or perhaps you need to start the process of rebuilding your credit score.  If that’s the case, then you may want to consider applying for a Fingerhut Credit Account issued by WebBank. 

Fingerhut is perhaps one of the most well known catalog shopping sites in the world, and they are known specifically for working with those of us with less than perfect credit, so opening an account with Fingerhut won’t be a problem for most people, and the boost to your available credit that opening your Fingerhut Credit Account issued by WebBank normally creates?  Well worth it!

Oh, and did I mention that Fingerhut has literally hundreds of thousands of name brand, competitively priced products for you to choose from, with payments that you can afford?   So, while you’re spring cleaning, you might just decide that you want to freshen up your decor while you’re at it!

Freshen Up While You’re Spring Cleaning

Now that winter is nearly over, many of us are beginning to plan our spring housecleaning, and perhaps freshening up the decor just a bit while we’re at it. Maybe add a new comforter, curtains, or pillows to a bedroom? New shower curtain and rugs in the bath? Perhaps you’re thinking even bigger…

Regardless of what you’re planning for this year, there is one online retailer who can not only help you to freshen up the house, but also freshen up your credit for the new year, too. That’s right – freshen up your credit. If you’re like most of us, money is pretty tight right after the holidays, your credit score may have taken a hit if you used your credit cards over the holidays, or perhaps you didn’t have the credit that you needed in the first place.

Luckily, Fingerhut is there to help – not only does Fingerhut carry hundreds of thousands of name brand, quality items for both you and your home, but Fingerhut works with those of us with less than perfect credit AND you’ll know up front, before you buy, the amount that you’ll pay each month. (Trust me, it’s very reasonable.)

So, you can have that new comforter set AND not wreck your budget!

Go on, what are you waiting for? Apply today!