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?
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?
Well, the season is here again! If your mailbox is like mine, every day it is stuffed with both catalogs and credit card offers.
Buy now! Pay later! 15 months interest free! Pre-approved! Save money on interest!
But before you fill those credit card applications out, you might just want to sit down at your computer and compare what exactly you would be getting when you sign up for that new credit card.
Are you getting the best possible interest rate for your credit score? Remember, most of those mailers are based at least partly on the demographics for your area, meaning that it’s not just your credit that is considered, but also that of your neighbors, and other people around you.
Are there hidden fees? Is the length of the balance transfer offer the best one available for your particular credit score range? Read the fine print carefully. Over the past few years, there has been an increase in the number of credit card companies charging a monthly usage fee as opposed to an annual fee, especially if you’re in the lower tiers of the credit score ranges. That monthly usage fee could apply even if you don’t carry a balance on your card.
Are you absolutely certain that the offer is legitimate? Sadly, some of the credit card offers that you receive in your mailbox could very well be identity theft scams masquerading as credit card offers. Before you fill out any application (mail-in or online), verify the source!
Here at Fresh Start Card Offers, ALL of our online applications link directly to the credit card, catalog, or loan provider, so you can be sure that your personal information is safe!
The fastest way that I know of to get a real fresh start on your financial life is to build a realistic budget and then stick to it!
Let’s face it, living from paycheck to paycheck is stressful, and surprisingly, most people these days live that way. But you don’t have to. Not if you’re willing to put a little effort into building a budget and then not just living within your means, but saving a little each payday until you build up an emergency fund. Your emergency fund can start as low as one hundred dollars. The important thing is that you start one. And I guarantee, once you get in the habit of saving a little each week, you’ll want to continue to grow your “emergency fund” until you have a comfortable cushion that you can fall back on the next time you have a financial setback.
So, where do you start with your budget?
First and foremost, you’ll want to sit down with your pay stubs. Are they all the same or do they vary from week to week? Do you have overtime pay? Bonuses? For the purpose of your normal budget, it’s best to try and calculate it based on your normal, regular take home pay – not those variable amounts such as bonuses and overtime pay because they are not guaranteed earnings. (And if you don’t count on them, you have the opportunity to save the extra money or even splurge once in a while!)
Next, list any money you have coming in from other sources, such as alimony, child support, or from a part time job. The key here is normal, regular household income. That’s the basis of your normal, regular budget.
Once you’ve figured out your income, it’s time to list your expenses!
Start with the expenses that are the same every month (week, quarter, etc.):
Housing (rent or mortgage)
Child care costs
Debt payments (credit cards, personal loans, etc.)
Car and home maintenance
Then, list the expenses that you have some control over, that may change from month to month:
Monthly fees and subscriptions
Gifts (Christmas, birthday, etc.)
For those expenses that fall outside your normal weekly or monthly budget, you’ll want to be sure to set some money aside so that you are able to pay them when the time comes. For example, if you pay your homeowner’s insurance annually, you’ll need to save a certain amount of money each time that you get paid for your homeowner’s premium. (Don’t make the mistake of thinking you’ll save for it later or that you’ll come up with it somewhere – you won’t!)
Now, you’ve listed your income and your expenses. The difference between your income and your expenses is your net gain or loss. If your income is greater than your expenses, then you can probably save a little more or have a little extra spending money. But, if your expenses outweigh your income, then you need to be looking for ways to cut corners. Clip coupons on groceries, cancel the upper tier cable channels, skip dinner out once or twice a month, or if you’re seriously in the hole, you may decide that you need to find a second job or an additional source of income. Whatever your financial situation – you cannot do anything about it until you’re aware of it!
Don’t just stop with the budget!
Now that you’ve made a budget, and you’re well aware of your true financial situation, don’t just walk away from it. Pay attention to your spending. Sit down each and every month and study your receipts. How does your actual spending compare to your budget? Are there places where you can cut corners? And are there places where you underestimated the expenses and need to readjust your numbers? The more you begin to pay attention to your spending, the more that you’ll notice when you overspend, and you’ll find that you will subconsciously start to live within your means very quickly.
Fortunately, with so many free tools available today, you can easily keep track of your budget on your phone, your laptop, or even with an old fashioned pen and paper. Whichever way you choose, just be consistent. Sit down, study your income and your expenses, pay your bills, and start putting back any excess for that emergency fund. You’ll be surprised by how quickly you can get your finances under control if you just work at it!
Although you might think this website is directed toward those individuals who have less than perfect credit, that’s not necessarily the case. Even people with perfect credit can sometimes get in over their heads. You know what I mean… you overspend at Christmas, you have a financial emergency, lose your job, or simply get carried away because your excellent credit offers you so many credit options!
Before you know it, your monthly minimum payments are eating away at your cash, and money gets really tight. Even though you’re still making those minimum payments, the interest is killing you, and its nearly impossible to get anything paid off. Yep, you could really use a fresh start, couldn’t you?
If your credit card bills are out of control, there are several things that you can do that won’t ruin your excellent credit.
Probably the easiest option is to transfer the balance (or balances) to a new lower or even a no interest credit card with a 15 to 18 month promotional period. This will not only lower your monthly payment, but it will also stop the interest from accumulating on the balances that you transfer. Just be careful and pay the new card balance down before the promotional period expires or the deferred interest may be added to the balance.
Equally as importantly, don’t charge anything on the cards that now have a zero balance or you’ll soon find yourself with even less cash in your monthly budget!
The other option that you might want to consider is a personal loan. These loan providers specialize in personal loans to individuals who are determined to pay off credit cards, student loans, and other debts. The interest rate is typically much lower than that on your credit cards, so you’ll not only cut your monthly payments, but you could save hundreds or even thousands in interest.
Whichever way you choose to go, you’ll save money and pay those bills off sooner. Get your fresh start today!
Need to get a fresh start on your credit right now? Looking for a fast, easy way to get that fresh start?
One of the hardest things about improving your credit score is having the patience to wait the months and sometimes years that it can take to dig yourself out of the credit “hole” that you’re in, and even worse, it seems like no one will give you the credit you need to actually begin the process of rebuilding your payment history, available credit, and so forth. It can be an agonizing process… and you can’t afford not to get it right the first time. (Every time you try for a credit card and are rejected, your score can drop even more!)
Rather than take the risk of dinging your credit report for credit cards that you can’t get approved for, why not get that fresh start today with a Fingerhut Credit Account. That’s right, Fingerhut Credit normally approves almost everyone for an account, and in the event that you don’t get approved right away, they may even offer you a special Fingerhut “Fresh Start” account. So, either way, with Fingerhut, you’ll only have one credit inquiry on your account. And at a time when every point matters, that single credit inquiry means a lot.
Once you are approved for a Fingerhut Credit account, you’ll want to use it sparingly and wisely. Keep your balance around 30% of your total credit availability and make every payment on time, every time. These are the two most critical areas of your credit report. Total credit availability and payment history count for about 30% of your credit score EACH. So, if you use your Fingerhut account properly, you can see significant improvement in your credit score relatively quickly because Fingerhut reports your credit availability and your regular payment history to the credit bureaus EVERY MONTH. And these days your credit scores are updated several times a month, so every payment, every inquiry, and every purchase you make matters!
Even better, Fingerhut is literally one of the best companies when it comes to credit line increases, special no interest purchases, and super sales! If you sign up for Fingerhut and you use your account regularly (and wisely), you’ll be amazed at the offers that you’ll get via email and regular mail. (I recently qualified for their “Major Purchase Program,” where you can buy all new furniture, pay it off in a certain amount of time, and pay little or no interest!)
And the merchandise… there are literally hundreds of thousands of name brand, competitively priced products on their website. Everything from clothing, shoes, jewelry, and appliances to rugs, linens, and yes, furniture for every room in your house!
When you consider all of the advantages to using Fingerhut to jumpstart your credit score, why wouldn’t you want to open a Fingerhut Credit Account?
Get the credit you deserve and save $50 on your first order of $200 or more with a new Fingerhut Credit Account. Use promo code NC361. Limited Time Only. Offer Ends Soon. Apply now for a Fingerhut Credit Account issued by WebBank
Need a fresh start on your credit but can’t qualify for a major credit card?
If you’ve had a severe financial setback, getting the credit that you need can be nearly impossible. You know that you need to work on your credit score, but no one will give you credit… it’s a never ending circle. You need credit to work on your credit score, but no one will give you credit, and every time you apply for a card and get rejected, it lowers your credit score a few more points!
How will you ever get the fresh start that you need to start rebuilding your credit?
Believe it or not, you can get that fresh start that you need, and it’s not nearly as hard as you think. There are two ways that you can still get credit when it seems like no one will give you credit. The first and probably most obvious way it to get a secured credit card. Unlike conventional credit cards, you won’t be denied a secured credit card because you secure the credit card with a deposit of your own choosing, so you can make your credit “limit” whatever amount you want. (I know, this is not the easy answer that you’re looking for, but trust me, it does work.)
Once you sign up for a secured credit card, you make the deposit, and then use the card just like a credit card to make purchases, and make regular payments on the balance. The credit card company then reports your new credit limit, responsible usage and regular payment history to the credit bureaus every month. In no time at all, you will begin to see the positive effect this will have on your credit score.
The other way that you can get a fresh start is by opening a Fingerhut Credit Account, which can actually be an unsecured account or, in the rare event that you don’t qualify, could be a special Fingerhut “fresh start” account. I say that it can be one of the two because, even though nearly everyone qualifies for the first option, and open Fingerhut Credit Account, there are occasionally times when you may have to start with the second type of account. Either way, opening an account with Fingerhut is truly one of the fastest ways to raise your credit score that I’ve ever seen.
Typically new customers start out with a credit limit of about $300.00 – use it responsibly, make your payments on time every time, and you should see your credit score begin to improve, and you’ll also be amazed at how quickly your credit limit may be increased, and you’ll love the special offers (6 months interest free, no payments for several months, the Fingerhut major purchase program, and more!)
Looking for a way to get a fresh start on your credit?
Here’s a great way to use this year’s tax refund to get a fresh start on your credit and still have a way to take that beach vacation you’ve been dreaming about all winter. The year, instead of spending your entire refund on a trip to the beach (or the mountains, or wherever you want to go), use the money to make a deposit on a secured credit card, like the OpenSky Secured Visa Card
When you open the account and make your security deposit, you’ll give your credit a boost two different ways:
Your new secured credit card will have available credit up to the amount of the security deposit that you put on the card, and credit utilization is an important part of your credit score. Increase your available credit and you’ll raise your credit score.
When you use your new secured credit card, you’ll make payments on it just like a regular credit card, and those regular payments will be reported to the credit bureaus. Establishing a regular payment history will also help you to improve your credit score.
Best of all, you can still take that annual vacation you’ve been dreaming of, instead of using cash, you’ll simply use your new OpenSky Secured Visa Card, and then pay the balance off over time! (And your entire tax refund will still be intact as the security deposit on the card!)
What better way to get a fresh start on your credit AND still get to go to the beach?
Open a new Fingerhut account, spend $100 or more, and use this promo code to get $25.00 off your first order!
But wait, this site is about getting a fresh start on your credit… what does a Fingerhut promo code have to do with getting your credit back on track?
Believe it or not, opening a new Fingerhut Credit Account is one of the best ways to improve your credit score!
Actually there are several ways to improve your credit with Fingerhut, especially if your credit is less than perfect.
First and foremost, Fingerhut is one of the few places where you can actually get credit when you’ve had a serious setback… lost a job, gotten a divorce, or gotten behind in your payments. In fact, Fingerhut has given more people a fresh start than just about anywhere else!
Second, a Fingerhut Credit Account will help you to establish a good payment history. Not only will your payments be affordable, but Fingerhut will report your payments to the credit bureau every month. In just a few months, you should begin to see an improvement as your payment and credit history grows!
Third, a Fingerhut Credit Account will help with your available credit, which is shown on your credit report under credit utilization. Simply keep your Fingerhut credit utilization around one third of your available credit and you’ll see even more improvement on your credit score!
And finally, Fingerhut offers thousands of brand name products at extremely competitive prices, so you won’t have any problem finding exactly what you want!
So go ahead, treat yourself to something new and get a fresh start on your credit with Fingerhut!
Why not use your tax refund to get that fresh start on your credit this year?
Instead of spending your annual tax refund windfall on something that you probably don’t really need, why not use it to get a fresh start on your credit? (You can do both!) Maybe you have less than perfect credit, or no credit history at all, but you want to improve your score… perhaps in the near future, you want to buy a car, get a new apartment, or even buy your first house? With the right credit score, you can save hundreds, even thousands of dollars in interest, and it all starts when you start working on your credit report and improving your credit score.
How can your tax refund help you to improve your credit score?
Using your tax refund to improve your credit score is easy! Simply apply for The First Progress Platinum Elite MasterCard® Secured Credit Card and use a portion of your tax refund to make the required security deposit on the credit card (between $200 and $2,000 – you choose the amount), and then, simply use your new credit card to buy whatever it was you were going to buy with your tax refund. Then, make timely, regular payments on the credit card. In turn, First Progress will report your good payment history to all three credit bureaus each and every month – if you’re like most people, you’ll start to see results in just a few months!
What could be better? You still get to buy that new television, take that little vacation, or whatever else it was you wanted, and you can use your tax refund to get that fresh start on your credit that you’ve been hoping for!
Being in debt feels awful – period and end of story. You feel out of control and you feel an incredible aching weight on your shoulders as you try and work a solution to the mounting financial debt. The only good news is that everyday people get out of debt and stay out of debt – you can do this too!
Get Out of Debt Step #1 – Get The Whole Family Involved In The Solution. Often times, it is the combined spending of kids and parents that helps move a family into debt with cell phones, cell phone plans, clothes, and eating out frequently to name only a few of the common reasons that drive up spending. The same people that were responsible for the debt are also responsible for getting the family out of debt and meeting the new financial plan. Several family meetings will be required to explain why the family is in the situation and how the debt will be eliminated.
Get Out of Debt Step #2 – Forgive Yourself & Accept Financial Mistakes Were Made. This is one of the most vital steps in getting out of debt. If you cannot forgive yourself, and more than likely your spouse, the reasons why you got into debt in the first place, then your get out of debt plan will not work. You need to accept and forgive that financial mistakes were made and deeply understand your current financial situation. Once you have accepted and forgiven yourself for the financial mistakes, you have a clean slate to move forward.
Get Out of Debt Step #3 – Determine How The Debt Happened & Stop It. Often times, the spending on extraordinary financial items such as cars, clothes, and incredible houses are the main culprits of a debt situation. Do everything you can immediately to stop these enormous debt creators. Stop buying expensive clothes, stop buying furniture, and stop buying anything not essential. Stopping the debt so you can start to pay it back is essential.
Get Out of Debt Step #4 – Create a Fixed Pay Back Period with a Budget. After you have stopped the debt, it is time to create a fixed payback time period and a realistic budget. See if you can pay off all your debt in 18 to 36 months. This seems like an incredible short period of time but the brevity of the period combined with incredible discipline to a budget will make it possible. The basic process is that you have to add up all your debt plus the projected interest and divide by 18 months or 36 months and that becomes your monthly debt payment. Then, you have to create and abide by a strict family budget to create the monthly payments.
Get Out of Debt Step #5 – Create Extra Income To Pay Off The Debt. Downsizing to a less expensive car, selling unneeded items, and taking odd jobs are all ways to create income and apply that income to pay down the debt faster. This is where having the entire family as a force to enable faster debt pay off really comes in handy. Finding unneeded items to sell will help significantly to pay the debt off faster.
Getting Out Of Debt Is Never Easy, But It Can Be Done. Involving the entire family is critical and it can serve to bring a family closer together as opposed to bring it apart. A morning shoveling snow or raking leaves as a family will make extra money for debt and make you even more proud as a family. The critical parts of debt reduction are forgiving yourself, stopping the debt, maintaining a strict budget so you pay off debt quickly, and creating extra income to pay the debt down. Now, smile, grit your teeth, and pay off debt.