4 Common Credit Problems &amp; How to Fix Them

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june 2014

learn how to make smarter choices with your money

4 Common Credit Problems & How to Fix Them

People often ask how they can fix their credit. Depending on your situation and how much damage you’ve done, the answers vary. Here are answers to the 4 most common concerns:

Problem 1: I have a late payment on my credit report

Problem 2: I have high credit card balances

Problem 3: I have some collections on my credit report

Problem 4: I have a lot of late payments on my credit report

How to Save Money on Your Household Energy & Electricity Bill – Part 1

How to save money on your household energy and electricity bill.

Do you wish you could save money on your household electricity bill? Major appliances like washers, dryers, dishwashers, fridges, freezers, and ovens account for about 37% of the electricity used in your home. Believe it or not, there are many ways to save money on your hydro or energy bill, even if you’re renting! Even small savings with these big appliances will add up.

Electricity savings tips are everywhere, but they’re always the same old, same old. We’re not going to tell you to throw on a sweater or turn off your lights; you know that stuff already. Here are easy, usable ways to save big money on your energy bill!

5 Signs Your Finances are Headed for Trouble

When you think about how much you earn, the type of vehicle you drive or all of the great stuff you have, do you also wonder if you’re doing the right things with your money? There are a lot of people who seem to have a good income and plenty of nice things, but their personal finances are on the fast track to disaster. If this can happen to people who appear to be successful, then it can happen to anyone. How do you know it won’t happen to you? Fortunately, there are signs you can look for that will tell you if your finances are headed for trouble. Here are the five most common signs.

What To Do Before Reduced Income Happens

Couple figuring out what to do about a reduction in their income. Suddenly facing reduced income is one of the top reasons people ask for help with debt. You never expect it, and then all of a sudden you’re laid off, hurt on the job, forced to take a lower paying job, or confronted with health issues.

If you had to face reduced income tomorrow, what regrets would you have?

Regardless if your income is steady right now, has already dropped, or you feel like you’re over your head in debt, there are three things you should do right now to handle reduced income.