Yes, we have all the answers!
Aren't you glad you've found us?
How can I get more time to pay my bill?
Read the small print on your bill or call your biller. Use grace windows and payment options to your advantage.
How can I pay my phone bill online?
Go to your phone provider website. You will need create an online account.
Can utility bills hurt my credit score?
Contrary to the popular belief - yes, they can. So please pay your utility bills on time!
How can I save money every day?
Bring your own lunch to work and drink your employer's coffee!
How do I find out my credit score?
Use AnnualCreditReport.com, this is the official source. By US federal law you are entitled to one free credit report per year from each credit bureau.
Are late bill payments bad for you?
Most billers have grace periods of a few days. If you pay outside of the grace window, you'll have to pay late payment fees. If you pay more than a month late, it will likely affect your credit score.
How can I pay without a bank account?
Use money orders - they are like checks preloaded with cash that never expires.
How can I save money on my insurance?
Shop around, eliminate unneeded coverage, bundle policies, raise deductibles, and pre-pay the premium. And last, but not least, negotiate for a better deal.
How do I make more money?
Work overtime and work toward a raise. Make money on the side. Spend less.
How do I de-stress my finances?
Automate bills, automate savings, and keep a sufficient cash buffer. And plan for expenses ahead of time.
How do I get a better interest rate for loans and mortgages?
Always maintain an excellent credit history. Shop around and be ready to negotiate.
How do I fix a bad credit score?
Start with your credit report - dispute any mistakes there. Work to reduce your debt. Get on top of your bill payments and stay on top.
Can you please help me set financial resolutions for the New Year?
A little planning at the beginning of the year can add add up to a big difference by the end of the year.
What is an APR?
APR is an interest rate (cost of borrowing money) that typically includes various fees that come with the loan.
How do I avoid the IRS tax audit?
Avoid anything that makes your tax return stand out: unusual forms, unusual deductions, drastic year-to-year changes, etc.
How do I rent with poor credit or no credit?
Prove to the landlord that you can pay the rent reliably. Also consider finding someone with a better credit to be your roommate or co-sign your application.
How do I dispute bills and fees?
Your best bet is to build a strong case and try to resolve the issue with the biller. You can also use consumer advocacy groups and small claims courts as a last resort.
How do I get a raise?
Make sure your priorities are aligned with your boss and make yourself valuable. Ask when the time is right.
How do I find the best rewards credit card?
Picking a simple rewards program that offers one rewards rate for everything and pays out cash tends to work best in the long haul. But do your research and compare the benefits.
Any tips for filing taxes?
Set aside a day to do the taxes and do them ahead of time. And oh, take advantage of all deductions available to you!
How do I budget? What's the simplest way to budget?
Pre-allocate your expenses and spend only what you have left over.
