Philip Tirone, author of 7 Steps to a 720 Credit Score, teaches how to build and improve your credit score with simple credit improvement strategies.

Tips for Saving Money on Vacation

Tips for Saving Money on VacationIn these scarce times, you might find yourself looking for Tips for Saving Money on Vacation. A recent article by Michelle Higgins in the New York Times offers great advice for keeping travel expenses to a minimum.

One of my favorite ideas suggested by Higgins is to use Twitter to “follow” the travel companies or travel experts that you like to use. Large Companies, like American Airlines, United Airlines, etc. etc, are beginning to tweet their best offers, deals and advice, and the first people that respond can take advantage of those rates!

Higgins also suggests websites ITASoftware.com and Kayak.com for finding the least expensive travel dates. She also reminds readers to check for nearby airports that might be less expensive than your first choice and to fly on off-peak days. And, try to use online travel sites like Yapta.com, Travelocity.com or Orbitz.com that automatically refund the difference if your fare or reservation falls in price after you buy it.

For these and other tips to learn Tips for Saving Money on Vacation, read Higgins’ article in the New York Times in full.

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Negotiate Credit Card Debt for Pennies on the Dollar!

Last week, I posted information about a “Virtual Roundtable” I am hosting on How to Negotiate With Credit Card Companies. From all the responses I received, there was one in particular I felt needed to be shared with you immediately! It is about a person who was able to negotiate $150,000 in credit card debt, for less than 25%! ...

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What Should I Do If I Receive a Wrong Medical Bill?

My wife and I have three children under the age of four, which means our mailbox is flooded with medical bills and sometimes, wrong medical bills. Obviously, the last thing you want to do is pay these bills, and, at the same time, if you don’t, your credit score will...

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Will My Wages Be Garnished?

During this time of economic turmoil debtors in distress find themselves wondering: Will my wages be garnished? In deciding how to handle mounting debt, consumers should know that it is a very possible reality. Garnishment occurs after a creditor or debt collector has obtained a judgment against you in court for...

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How to Negotiate With Credit Card Companies

I’m hosting a “Virtual Roundtable” on How to Negotiate With Credit Card Companies, and I need your input!  This information will help others that are going through the same thing. For those who haven’t attempted to negotiate their debt yet, but have questions – Submit your questions in the comment section...

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Do Gift Cards Expire?

If you are still carrying around gift cards you received this Christmas, you may be wondering, Do gift cards expire? It varies from state to state, but in many states, they can and will eventually expire. For that and other reasons, it is best to use...

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Credit Card Act of 2009 Part II – How to Complain

Come February, the Credit Card Act of 2009 will go into effect and I’m getting asked the same questions over and over – How do I complain about my Credit Card company? Here are the facts:  No one regulatory agency exists to monitor behavior and address consumer complaints, so you need...

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Credit Card Act of 2009 Part I – Monitor Your Financial Accounts Closely

As the provisions of the Credit Card Act of 2009 begin to take effect this February, be sure to monitor your financial accounts closely as you can bet your last dollar that the banks are going to try to “make up for the losses.” The Credit Card Act of 2009 was...

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Disneyland Tickets – Free for Volunteers!

In an effort to encourage volunteerism, Disneyland Tickets can be free! I had to post this because we are all big Disneyland fans in our family.  Here is how it works, people who spend one day volunteering at a qualifying organization will receive Disneyland Tickets, for free (one day/per person). Disney’s...

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Fidelity 529 Saving Plan Fees

If you look at the small print, 529 Saving Plan Fees are not cheap, however, Fidelity just announced that they are cutting their 529 Saving Plan Fees by 50% in certain states.  Yes, 50%! These state include, New Hampshire, California, Massachusetts, Delaware, and Arizona. Vanguard and Upromise, which manage plans in...

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