Christmas in July

Thinking about Christmas in July seems crazy, but really it’s never too early to start planning… And yes, before you start wondering about me, I am aware that it’s actually June, but what got me to thinking about this in the first place is the fact that one of the most popular cable channels announced this week that they are actually planning to debut two new Christmas movies next month during their “Christmas in July” movie extravaganza!

When you think about it, July is really only three months, or literally 90 days before we should be planning Christmas 2019, and by the time October arrives, it likely will be too late to plan how you’ll afford Christmas this year!  So, when you look at it that way, shouldn’t you be planning Christmas in July, too?

One of the best ways to start planning your spending this year is to figure out how much money you’ll need to spend on food, entertainment, and, of course, Christmas gifts!   And if you don’t have a lot of cash?  Then you need to figure out if you’ll use your savings or if you are going to need credit to pay for this year’s holiday season… do you have enough credit?

Maybe your credit is not in the best shape?  Maybe you need to work on your credit?  If that’s the case, there are some pretty decent companies that are willing to work with you as you try to rebuild your credit.. but you don’t want to wait until October to start.

Now’s the time to plan.  Now’s the time to act.  Now’s the time to get the credit you’ll need.  And when you look at it that way, Christmas in July doesn’t seem so crazy, does it?

Check out one of these offers:

New Car Fever

Thinking about replacing that old car this year?  Maybe you’ve saved your tax refund as a down payment, or your old ride is just not as reliable as it should be, and now you’re ready to look at your options. Will you choose a brand new car, truck or SUV?  Or will you go with something that’s not quite as new, but fits more into your budget?  Regardless of what type, age, or price range you’re considering, before you even set foot on the car lot, before that salesman pressures you to sign on the dotted lines, you might want to think about financing!

Just because the dealership offers financing on the spot doesn’t necessarily mean that’s the best option for you.  Remember, in most cases, they are the ones with something to gain if you choose their financing… which means that their banks, or their finance companies, essentially work for them, not you.  Plus, you’re far more likely to take on a higher payment than you intend to if you wait until you’re ready to buy!

Instead, you need to shop car loans long before you shop for the actual car, and just like ANY loan, these days, it’s a good idea to shop online first.   Not only will you likely find more options, but you might just save a lot on interest, fees, and more!

 

 

It Really is Easy to Get Credit Cards

Even though it’s not really the “shopping” season, your mailbox is still probably stuffed with offers for loans, credit cards, and catalog offers on a regular basis.  Why is that?  Since when did it become a year round thing to “sell” us, the consumer, on a different credit card, a personal loan, or store credit card?   Well, with the advent of online shopping, the use of credit cards has skyrocketed, as has the use of store credit, catalog offers, and online loan options (home, car, personal and even payday loans).

But how do you know if you’re getting the best credit card for your credit score?  How do you know you’re getting the right card for your financial needs?   Do you need cash back rewards?  Or would a travel rewards card better benefit you?

And if your credit is less than perfect?  Would a secured credit card boost your credit score more than a store credit card?  Would you qualify for an unsecured credit card?  Do you even know your credit score?

These are some pretty tough questions when you really think about it, aren’t they?  Do you really think that filling out one or more of those mass mailer offers will get you the right credit card for your needs?

The truth is, most of those offers that land in your mailbox aren’t customized to your needs.  They’re sent out as a bulk mailing to thousands of people in your area whose credit score is likely similar to yours, based on your age, where you live, and even what most people in your area do for a living… There is absolutely nothing “custom” at all about it.  So, before you respond to one of those offers, you might just want to do a little comparison shopping.

Start with your credit score, then choose offers that best fit YOU:


Summer Vacation Plans?

Do you have plans for your summer vacation?  Or are you still trying to figure out how you’ll pay for it?

Without careful planning, your summer vacation can end up costing you money for years and years!  Especially if you’re planning to use a credit card to pay for all or part of the expenses associated with a vacation, you might just want to take a good, hard look at ALL of your credit cards.

Are any of your credit cards rewards cards?  Could you use a rewards card to pay for gas, airline tickets, lodging while you’re on vacation?  And if you do use a rewards card, what will your actual reward be?  Is there a better reward card out there?

Do any of your credit cards offer a special rate for large purchases?  Maybe there’s an interest free option that you could take advantage of?  If not, is there a credit card that you could use that does offer introductory incentives like 0% interest?

What’s your current credit card interest rate?  Is there a better credit card with a better interest rate?  Maybe your credit score has changed for the better?  If so, you owe it to yourself to compare your current cards with other offers!

Once you’ve got your financing in order, and you see what you have to spend, then it’s much easier to plan a summer vacation!

Who knows… you might have more vacation options than you thought you did!

Check Out Our New Offers

If you haven’t visited our site lately, you’re missing out on our newest offers! From updated offers direct from the best credit card merchants to our new credit card matching tools, if you want to rebuild your credit, save money, or even take the trip of your dreams this year, we’ve got just the right credit card to help you make it happen.

Regardless of your credit score, whether it’s very good or very poor, or even somewhere in between, we’ve got the credit you need!


New Year, New Credit Score

With the passing of the New Year, and now the month of January, you’ve probably received most of your credit card bills from November and December, so you probably know just about how much you spent on Christmas. But, have you checked the impact of those new credit card balances on your credit score?

Unfortunately, when your credit usage rises dramatically (like it does when you spend a lot of money on Christmas gifts), you’ll often see a drop in your credit score beginning around the first of the year and continuing until you get those credit cards paid back down to their pre-Christmas shopping levels.

While this little dip doesn’t hurt much, it actually can affect the interest rate that you’ll get on that new home, new car, personal loan, or even just a new credit card that you’re considering. And over time, a higher interest rate on any type of loan or credit line can cost you a significant amount of money.

So, your best bet is to ALWAYS consider the effect a few points on your credit score can have on your overall financial picture. And the best way to do that is to ALWAYS know about where your credit score is.

These days, that information can be found just about anywhere, but here’s where you might want to start:

Easiest Way to Pay Off Credit Cards

As the year winds down, those Christmas credit card bills start rolling in, and many of us wonder how we’ll ever get them all paid off, especially with interest rates running as high as 29% or more on some cards.

If you’re like most people, you probably spent way more than you planned to over the holidays, and those monthly payments are going to eat up most of your budget for the next few months. But, there are some options out there, especially if your credit score is fairly good.

Now, I know over the past couple of months, you were probably inundated with credit card offers, but more than likely, with the holidays gone, so are the offers. Relax. You can still find some really excellent rates on both personal loans and balance transfers.

Balance transfers are especially good if you’re trying to pay off your credit cards – you just transfer the balance on an old higher interest rate card to a new card with an introductory, interest free period. And, honestly, if you can pay the new balance off within the allotted time frame, a balance transfer may just be your best option to pay off Christmas debt. Not only will you not have ANY interest charges during the promotional period, but most offers give you at least 12 months (and usually even longer) to pay off the balance – just make sure that you have a plan to pay the balance transfer off so that you’re not stuck with a big interest payment down the road.

But where can you find balance transfer offers for your credit range?

Here’s a good place to start:

Easiest Way to Lower Your Monthly Payments

As the end of the year approaches, one of the smartest things that you can do for yourself is to start planning your budget for 2019…

How much money do you have to work with?  Where did you overspend this year?  Where can you save money next year?

That said, one of the easiest places to look for savings is at your monthly expenditures.  Once you’ve taken care of housing, transportation, and basic necessities, how much are you spending on monthly credit card bills?  How much is the interest on those credit cards?  And how long will it take you to pay them off if you’re only making the minimum payments?

If you don’t like your answers to any of these questions, you might want to look into a personal loan.  With a personal loan, you can easily consolidate all those monthly credit card payments into one, typically lower payment each month.  And since interest rates on personal loans are usually lower than the interest on those credit cards, you’ll be able to pay the personal loan off much sooner than the credit card bills.  

So, would your monthly budget benefit from a personal loan?   Take a look and see for yourself:

Is There Still Time for Christmas Catalog Shopping?

As November winds down, finishing up Christmas shopping becomes more of a priority, especially if you’re doing any online shopping at all. (Yes, there still are those places that take up to two weeks to ship your orders!)

But, if you have no money for Christmas, and you’re starting to get desperate, what can you do? Is there still time to do some Christmas Catalog shopping online and get the order delivered before Christmas?

YES! There’s still plenty of time to apply for credit at most catalog shopping sites, get approved, and place an order that will be delivered in time to put it under the Christmas tree for someone special! In fact, most of the catalog shopping sites are offering their best deals of the year right now… you could qualify for free shipping, a percentage off your first order, and even no payments for several months.

So, if you’re as tight on money this year as some of us, you might just want to study these offers and see which one fits your shopping needs best:

Easiest Christmas Catalog Shopping Site!

Looking for the easiest way to pay for this year’s Christmas gifts, maybe save some money, and potentially give your credit score a little boost?

Look no further than Fingerhut!  Fingerhut really has some great things to choose from… quality, name brand merchandise at truly competitive pricing.  Choose from a fantastic selection of clothing, jewelry, home furnishings, electronics, toys and more!

Think you won’t qualify for a Fingerhut account because of your credit?

Think again!  Fingerhut approves nearly everyone for at least $300.00, and those who aren’t approved usually qualify for the Fingerhut Fresh Start program which not only offers you the credit you need, but can also help you to improve your credit score!

It’s easy, simply fill out the online application (takes about five minutes), and that’s all there is to it!  Now, go on…