Dear everyday spender: As the title states, this is about getting on the right track, right now. And believe me, I understand, everyone’s situation is completely different. So let’s begin by establishing: either you’re seeking your first card, or...
Dear everyday spender, Now, this is where your spending patterns intersect with your time, experience and good credit. In other words, it’s time to consider your choices. At the very minimum, we want you to be earning at least 1% on every single transaction....
Dear everyday spender: Do you remember the previous post where I asked you to project any large purchases in the near future? The important thing to remember is: ask yourself what you can afford. Sometimes, especially with the more-advanced cards, the criteria for the...
Think quick! Is it better to earn 2% cash back with a $100 introductory bonus, or 1.5% with a $150 introductory bonus? Here’s a hint: it’s a trick question! So let’s break it down: 2% is $20 on every $1000, or $200 on every $10,000. (+ $100 bonus =...
Everyday spenders, I encourage your curiosity. Several of the major credit cards have extra deals. Word to the wise, there should be NO penalty for NOT using your particular deal. Beyond that, the following are commonalities: -Getting the deal requires a sign-up...
Dear everyday spender – welcome to the age of the automatic payment Based on your regular spending patterns, you may be able to set up automatic payments using your particular credit card for: -Phone/internet/cable -Insurance -Subscriptions services … and much much...
Dear everyday spender, This is incredibly common, especially with the best deals. First, be alert, and next: be aware. The objective is to maximize, whenever possible, without exceeding the limit, or spending cap. Perhaps you’ve heard the term “juicing” tossed...
Dear everyday spender, With a gift card, much like with cash, you’ve given up your security. Typically all sales are final or non-refundable. In other words, protect your gift cards much the same way you protect cash. There should be no tax on any gift card...
