Be Out of Debt • Two Cents Tips

Find Cable TV Providers In Your Area With This Handy Website

noreply@blogger.com (Anonymous) — Fri, 26 Apr 2013 21:08:00 +0000

With cableTVadvisor.com you can find cable providers in your area as well as deals. How many cable TV companies do you have to choose from? Perhaps you didn't realize you had so many options. Find better TV where you live including popular now providers such as DirecTV and Dish Network. Are you ready to take back your TV time?

Check out cableTVadvisor.com where you'll find local cable companies with a price that you're looking for. You can also find limited time deals on cable networks in your area. Spend less time searching by checking out cableTVadvisor.com.

If you're interested in satellite TV service cableTVadvisor.com can help you there as well. Check out their deal of the day - simply enter your zip code and cableTVadvisor.com will do the rest.

Don't just pick what's popular

noreply@blogger.com (Anonymous) — Mon, 23 Apr 2012 01:12:00 +0000

Guest written by our friend Sergio Chaney

This website, http://www.Cabletvadvisor.com/, is pretty useful if you are trying to decide on TV provides like Cable or Direct TV. It has a couple of different companies, the channels they offer and for what prices. I think it is a lot easier than going to each company website, writing down the prices and comparing that way. It sort of streamlines the process. I know I have suggested it to nearly everyone I know that has moved into the area since I stumbled upon it. I do not know why more service websites like that one are not making a bigger difference. It is possible that they are, but it seems like a majority of people just decide to take whatever they know is popular in the area. I definitely think that is not the best decision to make. I mean, if we picked everything based on its popularity, then we would not really get the best service necessarily and how would any businesses every survive? It just makes sense to pick the service that best fits instead of just settling for something you do not really know much about or understand.

Penny Stocks

noreply@blogger.com (Anonymous) — Tue, 31 Jan 2012 19:17:00 +0000

Should you be investing in penny stocks? You should definitely give it consideration. Even though penny stocks have fluctuated in popularity over the past 10 years, they can still be considered solid investments today. Penny stocks are offered by small to medium sized companies and typically cost less than five dollars per share. They are not up for purchase via typical stock exchanges and are not subject to the same requirements that government agencies place on standard traded stocks. This does make investing in penny stocks a bit more risky, however there is room for high returns. Check out the link in this post to learn more.

Prepping for Winter

noreply@blogger.com (Anonymous) — Sun, 15 Jan 2012 05:16:00 +0000

Authored by Greg Fletcher

All the experts had the same predictions: this winter would be snowy. After an early snowfall, I started to believe them. The kids were out for the holidays and the snow was piling up. I had reached the point that I was going to allow them to kill each other when I had a light bulb moment. The house would be very quiet if I let them go through with it, so instead I logged onto http://www.directstartv.com/and upgraded our package to include some really great programming for the kids! What a relief! Just think, an hour ago I was ready to pull my hair out. I feel no shame turning my TV into a babysitter. I have five kids and until you walk in my worn out shoes, don’t judge. Now I can get to my much needed to-do list and knock a few projects out while they are engrossed in The Animal Planet channel. In my opinion, the upgrade was money well spent. For a few extra bucks, my sanity in intact and all the children are happy. Let it snow baby!

An appliqued clutch for fall

noreply@blogger.com (Anonymous) — Fri, 30 Sep 2011 18:31:00 +0000

Guest post written by Alicia Hooper

One of the things that I love about fall is that you're able to really pile on the clothes and have more options for fashion because of it. I love to experiment with all of the different pieces of clothing that I have and fall and winter are really the best time to do that. But I don't like to leave out any of the accessories. You can't forget those! Accessories are like the icing on a cake. You don't have to have them, but they turn something normal into something very extraordinary.

I wanted some kind of cute little purse for fall just as a way to kick it off. While I was online looking for some purses, I ran across some mobile broadband plans and after I looked through some of them I decided to sign up for one of them.

I found this adorable oversized appliqued clutch that will be really great if I go to any daytime special events. I never met an accessory that was appliqued that I didn't love.

The Big City

noreply@blogger.com (Anonymous) — Tue, 19 Jul 2011 16:38:00 +0000

Thanks for the guest post by Jonathan Curtis

When I was 18 I moved into my own place in NYC and I had never felt more like an adult. I had my own things and my own couch and my own kitchen! That went out the door fast the first time the place was burglarized – welcome to New York City! I’ve learned a lot in the last ten years since I’ve been here and I’ve wised up to the ways of the urban life. At my new place I went to Securitychoice.com to get a security system and I obviously sprung for the place with a doorman. I now have two double locks and I don’t leave my dog at home for long periods of time without the dog walker coming over – it just makes more sense this way! Now that I’m an adult I feel better prepared to live in the city without any regrets and I haven’t had any incidents, knock on wood, since that first summer I lived here in the Big Apple.

My Favorite Cartoon- Max and Ruby

noreply@blogger.com (Anonymous) — Wed, 11 May 2011 18:37:00 +0000

Authored by Edgar Guy

One of my all-time favorite cartoons is Max and Ruby. Max and Ruby is a kid's cartoon, that is geared more towards very young toddlers, from about ages 2 through 6. But even though my 6 year old likes it too, so does my 9 year old son! Max is the kid brother in the show, and Ruby is the older sister. Both of them are young bunnies, and the shows are about the various activities that they do together. Max usually gets into some type of trouble in the shows, and Ruby takes on the role as bossy older sister. While there really is no mention of parents in the show, the two do go to their grandmothers often, and it seems as though she is the one to take care of them.

When I watch Max and Ruby, I make sure that I always watch it on my satalite tv free HD. I love to watch it with my daughter while we eat lunch after preschool. I think it is a really relaxing show that helps to teach values, caring, compassion and morals, and is funny, too. It is on a couple of times a day, so I try to catch it at least a couple of times a week. We even bought the Max and Ruby dolls!

Do You Know Your Credit Score?

noreply@blogger.com (Anonymous) — Tue, 18 Nov 2008 10:51:00 +0000

It's important that you know your credit score. Following the link below, you can sign up for both your free credit report and a free trial of credit management. Be informed about what's on your credit report:

Women are Taking More Steps toward Economic Stability than Men

noreply@blogger.com (Anonymous) — Fri, 07 Nov 2008 00:18:00 +0000

Which of the two sexes is taking more steps toward being economically stable? Consumer Reports have shown that women are being more diligent about cutting back on discretionary spending than men, overall. While women have been a little better about limiting credit card spending (57% versus 49%), putting cash into savings (40% versus 39%), and limiting dine-out costs (62% versus 49%), men are significantly less concerned about cutting back on holiday spending (63% of women versus only 36% of men).

To cut costs this holiday season, why not plan for a present-less Christmas? Emphasize family, friendships, and love this holiday season -- because when economic times are tough, these are all we have left to sustain us.

Changes in Credit Card Policies During this Recession

noreply@blogger.com (Anonymous) — Thu, 30 Oct 2008 02:33:00 +0000

It is being reported that credit lenders including Bank of America, Citibank, and even store credit lenders are tightening their guidelines for credit applicants. They are also lowering credit card limits by up to 5% every quarter.

Basically, if you do not have good credit, it will be very difficult to obtain a credit card. It is also unlikely that you will receive an exceptionally high credit limit, even if you do have excellent credit.

We don't necessarily believe that these stricter guidelines are a bad thing, seeing that a big reason for our current economical crisis in America is that lenders were giving credit to risky borrowers in the first place that ended up defaulting on their loans.

This is yet another reason to become less reliant on credit cards. As with any recession, the economy will rise again in due time (unless we go into a full-blown depression, which cannot be certainly predicted at this point). However, training ourselves to save and use cash only as often as possible ensures that our personal finances will thrive -- during the good economic times, or the bad.

Save Money by Creating a Budget Plan

noreply@blogger.com (Anonymous) — Thu, 30 Oct 2008 01:42:00 +0000

Do you go shop at the supermarket, pump gas into your vehicle every week, or pay your bills without knowing how much money you intend to spend? You will save money by creating a budget for every category of spending that comes from your household.

Example budget categories include:

Grocery budget - For food, multivitamins, pet care
Toiletry budget - For toilet paper, paper towels, cotton swabs, etc.
Fuel budget - Control how many miles you drive per week to come up with a feasible budget
Budget for discretionary spending - Do you really need those cell phone plan extras, a home phone when all your family members have cell phones, or those premium cable TV channels?

Having a daily/weekly/monthly budget set will ensure that you are getting the most out of your hard-earned money and being frugal with the items you do own. Learn how to get the most out of common household items with these frugality tips.

Being Frugal (Not the Same as Being Cheap)

noreply@blogger.com (Anonymous) — Fri, 24 Oct 2008 06:11:00 +0000

You don't need to live cheaply to be frugal. Frugality is all about smarter spending habits and knowing how to get more value out of your buck.

Some frugal habits include:

Accessing your needs before your wants
Buying based on value rather than luxury (name brands should not matter)
Minimizing waste

Check out Moolanomy's Frugalist Expense Reduction Guide for more tips.

How to Move On with a Poor Credit History

noreply@blogger.com (Anonymous) — Wed, 01 Oct 2008 04:49:00 +0000

Your credit was bad in the past and is slowly improving. How can you begin to put your credit past behind to sign a new lease, get a loan for a new car, or attempt to be a first time home owner? Incorporate these tips into your credit repair strategy:

Pay your bills on time, bring everything current, and negotiate with collection agencies.
Look for residential areas where the rental climate isn't so hot, and go for smaller landlords.
Pull your credit report once a year to check for errors.
Get a co-signer or put down a larger deposit.

Taking these steps, your credit will gradually improve and you will be able to strive for better assets.

How to Use a Credit Card the Right Way

noreply@blogger.com (Anonymous) — Wed, 17 Sep 2008 04:52:00 +0000

If you possess and intend to use a credit card, be a savvy borrower and only use a credit card to your utmost advantage. This does not mean treating yourself to a new wardrobe or even buying a big screen TV (we can be saving for items such as these – and if we can’t afford it, we don’t buy it ;)). Rather, only swipe your credit card for big-ticket items that actually possess some merit. Perhaps, a computer for your family, or a new laptop for your child going into college.

When scouting for a new credit card, compare benefits before applying. For instance, a bank other than your own may be offering cashback rewards that may be redeemed for coupons and other savings. In this way, the credit company is paying you back for being a loyal borrower. Don’t settle for the first credit offer that comes your way, and read the fine print before you apply.

If you are offered a store credit card (from department stores such as Macy’s which have their own house card without a Visa/Mastercard logo) that will earn you a chunk of change off your first purchase, consider a couple things before you accept the card and close it after the initial purchase. Borrowers think that they are smart in doing this, but remember that your credit score will be dinged for both opening the card (the credit inquiry) and closing it as well (damaging your length of credit usage).

Although lenders do not want you to pay your balance off in full each month (and your credit score may actually suffer from doing so), attempt to pay at least three times the minimum payment every month. For some borrows, with APRs as high as 30%, the minimum payment may be equal to the total finance charges – meaning, by paying only the minimum payment each month, you will never have your balance paid off.

Q: Do You Need a Credit Card to Build Credit?

noreply@blogger.com (Anonymous) — Fri, 05 Sep 2008 04:00:00 +0000

A: You can build credit in other ways than using credit cards. Simply having utility bills or even a cellphone contract in your name, that you pay on time every month, will establish credit.

Credit cards are not a necessity of life. Most people acquire credit cards to be able to spend money that they don’t have, on things like furniture, food, or even clothing. Why not teach yourself and your children to save up for items that you will need later? Because, chances are, you don’t need it today. So, refrain from opening store credit cards, and if you do possess a major credit card, attempt to keep it in your wallet for as long as possible.

Be Free of Debt

noreply@blogger.com (Anonymous) — Tue, 26 Aug 2008 07:36:00 +0000

This blog is written from an American perspective. One thing we wish for our country is for consumers to be sensible about debt, use smart spending practices, and to move closer to being debt-free.

We believe that debt should be used to instill trust in the borrower (consumer) as well as the lender. Debt should never have to be used as a crutch or to embrace a "need it now" mentality. Rather, learning how to effectively save money for "a rainy day" is key.

Hopefully this blog provides reasonable "two cents" about tackling debt, avoiding debt, and developing money-savvy practices.