Top 10 Most Effective Money Savers: Learn How to Fix Your Credit

Everyone wants to know the best ways to save money. I have compiled a list of what I beleive to be the top 10 most effective ways to save money. Enjoy!

1. Request a rate reduction or consolidate your credit cards. Some companies are willing to lower their interest rates if you are willing to make a phone call. It's worth a shot. If they say no, well then look at option number two, which is to consolidate your credit cards into a low 0% interest credit card. While your interest is low or at 0% continue making payments on your new card for the same amount as all the card payments combined, this will help pay off your debt quicker.

2. Request for a reduction in the interest rate for your home equity line of credit Just like with the credit cards most financial companies will allow you to request a rate reduction, or at least give you an option for a refinance. Before you decide what you're going to do make sure you have compared interest rates. Click here to compare rates.

3. Refinance you mortgage This one takes a little more thought. Interest rates are low again which means it's time to look at those refinance options again. When you refinance it's very important to look at all the prices involved. If you can lower your rate and say save $100 a month and you have to pay $3000 to do it, that would mean it would take 30 months to earn back the $3000 you had to pay to save $100 a month. So before you refinance you need to think about how long you plan on living there, how much it's going to cost, and how much you will save each month. Click Here for a great place to start

4. Subscribe to magazines that are must reads or free If you can't afford whats inside don't buy it!

5. Buy your car over the internet

6. Get a rewards card

7. Shut vents in unused rooms This isn’t advisable if you have forced air heating, but shutting vents in unused rooms can save on your heating and cooling bill.

8. Get healthy Your health will directly impact the cost of life insurance and, in some cases, can reduce the cost of your health insurance. One of he the things my family and I have started to do is take the Acai Berry every morning. This is the new super food that Opera was ranting and raving about. It's great for losing weight too, I lost 27 in my first month and I feel great! Get your fre trial here. (just make sure you load a gift card with the money for shipping so you don't have to eorry about canceling the free trial.)

9. Stop smoking This is a no brainer. I don't need to say anymore. Click here for some help quiting.

10. Drink less alcohol It costs money and ads calories.

Return to Top 10 Most Effective Money Savers Home Page!

Thursday, January 8, 2009

Learn How to Fix Your Credit

First things first you have to CHECK your credit to know what type of problems you actually have. To check your credit I recomend Equifax. Equifax is one of the three credit bureaus and it's the one that is used the most so if something is on your Equifax report it's probably on the Trans Union and Experian.

Manage Your Credit with Equifax

You can also use ConsumerDirect to check ALL four scores!

After you get your credit report it's time to do something about it. Below are my top sites that offer credit repair.

LifeLock Identity Theft Services - this site is one of the most reputable and safe sites to use. They offer services to repair credit if it is your mistake or even if someone steel your ID. Get 10% off if you sign up now.

ConsumerDirect - They offer Free Credit Scores, Credit Fix & other services. The price with consumer direct is very cheap too. So if you need some help this site would work really well for you.

If you're wanting legal assistance then Ovation Law might be better for you then the others.

Visit ovationlaw.com

You can also do a search to find other companies that can help you fix your credit. To search feel free to use the google search bar at the top of this page.

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