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Ways to Look Good without Selling Your Soul to the Credit Card Sharks
1. Buy clothes at thrift stores. BEFORE you buy them, however, hold the clothing to the light to make sure there are no tears, check the seams under the arms, make sure the buttons are all there, and don't buy anything that you can't try on. 2. Never buy anything that doesn't fit. 3. Find out what your colors are and only buy those colors. I attended a workshop to figure out that I am a Winter and then I only bought clothes that look good on Winters. If I buy clothes that are not those Winter colors, I won't wear them because I know subconsciously that they do not flatter me. As an added bonus, when you wear the colors that are harmonized with your skin tone, you often have more energy, are calmer and look younger. 4. Go through your wardrobe to determine what clothes you need to buy, make a list, place the list in your purse or wallet, and ONLY buy the items that are on the list. 5. Know the values of clothing. Many "sales" are not bargains at all. 6. If you have children who are growing quickly, buy their clothing at a thrift store. 7. Only buy good quality clothing which will last a long time. 8. Buy a can of starch, and iron your business shirts as opposed to paying over a dollar to a dry cleaner that uses a harsh pressing machine. 9. Buy tie spray to protect your costly silk ties and scarves. 10. Buy clothes at the end of a season when they are on sale as opposed to the beginning of the season. 11. Buy clothes with neutral colors (gray, white, navy blue) that will go with anything that you have in your existing wardrobe, so that you won't have to buy new clothes to complement your new purchase. 12. Buy and wear only comfortable shoes and save money on doctors and chiropractors. Excerpted from Transform YOUR Relationship with Money: A Step-by-Step Guide for Financial Empowerment. For more information about this guide, please check out my web site located at TransformYourRelationshipWithMoney.com">http://TransformYourRelationshipWithMoney.com Bill Austin is a spiritual healer and teacher based in St Petersburg FL. He has assisted hundreds of people around the world in gaining the clarity they need to realize more of their full potential. To find out more about his healing practice, please check out his web site at www.HealingHolograms.com">http://www.HealingHolograms.com
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Credit Scoring: What You Dont Know Can Hurt You You've probably heard the term credit scoring. You may have some idea that your credit score can have an effect on your life. How Healthy Is Your Credit There's only one way to discover the "health" of your credit. You need to examine your credit report. Taking Control of Your Credit History Your credit history is important; in fact, in this day and age, only family and your time are more important than your credit history! The first time you established a payment commitment over a period of time for a purchase, you began your history of credit, and the credit bureau created your account. Payments such as the electric company, a rental agreement, a cell phone, a car payment or a low-rate credit card which you also have a responsibility to repay are not reported to the credit bureaus as a part of your credit history. Understanding the Function of Credit What is Credit?Credit is the backbone and the engine behind the workings of the economy. Credit simply allows individuals and companies to borrow funds in good faith and pay it back over a specified time frame. Credit Report - Watch Out for Parking Tickets The economic downturn of the last five years has affected millions of Americans, but it has also affected the budgets of states, cities and counties. With limited tax dollars with which to work, various government entities have had to try to stretch their budgets to allow them to continue to function. Understanding the Process of Credit Counseling Many of us have seen the advertisements on television. "Get out of debt fast!" "We can solve all your credit problems with only one call!" These sound really great but you know that, realistically, one call is not going to solve your credit problems. 3 Free Credit Reports For You If you were to tell someone that they can have a certain item for free, more than likely their response would be, "what's the catch?" In the case of credit reports there is no catch, you can now get a free copy of this report through the three credit reporting agencies: Equifax, TransUnions, and Experian. Let's take a look at the law and how you can benefit from it. Identity Theft - How to Protect Yourself "Like the tan? I got tons of sun on that Caribbean cruise. First class tickets to Florida and back! Nope, not an airline upgrade. How To Read Your Credit Report The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus -- Equifax, Experian and TransUnion. Beware of Bogus Credit Repair Companies! So-called "credit repair" companies claim they can remove negative information from credit reports. Advertising as "Credit Advisors," "Credit Rating Correction Services" or "Credit Consultants," they trumpet variations on this message: "Turned down because of bad credit? We can help!" Many of these companies charge hundreds if not thousands of dollars for the promise to "clean up" bad credit reports. Are 0% Credit Cards Reaching Their End? Are Credit Card companies starting to feel the pinch? We all know that the Credit Card companies make their money by charging us interest on the money we borrow. With all the 0% balance transfer offers that we have seen over the last few years its no wonder these companies are concerned they aren't making any money. SuperCharged Secret 2, Credit Card Utopia INTEREST BEWARE, THERE'S SAFETY IN NUMBERS!Note: The following is part 2 of a 5 part series, Over the course of these 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This information, when used in conjunction with one another, is unlike anything you've ever seen before. What is Credit Counselling? Ever wondered what is Credit Counselling? There are occasions when you might encounter a financial situation that is beyond your scope which is when a session with a credit counsellor could be beneficial.If you're not disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit counselling organisation. What Does Your Credit Score Tell You? When you apply for a loan or a mortgage, the first thing the lender does is to check your credit score. Based on your credit score, the lender decides the amount of finance you are eligible for and the interest rate at which you will be charged. Discover the Parts of a Credit Report and What They Mean So you ordered a copy of your credit report to check for inaccuracies and get the most from your credit score. Now how do you read it? Your credit report is read and used by any number of people you deal with on a daily basis, from your landlord to your employer to a potential lender. Rebuild & Keep Good Credit Ratings by Understanding Your Credit Cards Secured Credit Card is similar to a prepaid credit card since the funds you are using are actually yours and not the issuer of the credit card. Generally people who apply for secured credit card or prepaid credit card are people with poor credit or unemployed. Avoiding Credit Card Traps The next time you open your credit card statement, take a closer look at the small insert titled "changes to your credit card agreement". You know the one I'm speaking about. Credit Card Incentives Credit card companies want your business. After all, lending money to people is profitable. 5 Steps You Can Take to Get Paid! There are always some companies that have past due invoices and can't seem to get them paid. They might be quietly waiting to get paid not wanting to contact the client for fear of appearing "desperate". Credit Report Hassles There is no end to the amount of pain that your credit report can cause you. If you have a bad credit history this is something that can follow you around and wreak havoc on your life without you even knowing it.
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