Comparing Income and Spending

Posted October 8th, 2010 by Kent and filed in Finances
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road yesterday able Thursday post up. let’s wh today.

You nd fd spending compare bringing income. ce shock you, nr kept track spending habits. Let’s started.

You pad pager, pen pencil calculator. Nt you’ll following: Credit card statements, Check registers, major buys receipts, bank statements. records past income 12 months. sd ao me yr spouse partner gathers information.

You tn nd create worksheet tt divides spending te categories.

  1. Fixed expenses: month month expenses. Example, rent mortgage, car loan insurance.
  2. Variable expenses: vary fm month month. example utilities, groceries, gas, etc.
  3. Periodic expenses: Example tuition, property taxes, dues.

Figure yr total income total expenses subtract expenses fm income ge financial line.

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What is Your FICO Score?

Posted October 5th, 2010 by Kent and filed in Finances
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Me creditors, insurance companies, employers, landlords, sg called FICO wh yr credit history instead help tm decisions at you. Yr FICO score numeric representing credit risk comes fm credit history. FICO score snapshot manage credit ws idea you’ll manage future.

There actually sl dt credit scores te FICO industry standard. FICO score visiting myfico.com.

The range yr FICO score 300 850. hr better. you’ve score 720 considered good. score wl bw 720 sl qualify credit creditors chooseto me pay interest. low FICO score se landlords choosenot rent beware.

Here improve yr FICO score.

  • Pay debts time
  • Grow savings
  • Pay yr account balances
  • Fix ps credit histories
  • Keep credit apply down

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Why Your Credit Reports Matter

Posted September 30th, 2010 by Kent and filed in Finances
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When receive copy credit report, se current creditors future creditors me decisions at you. you’ve negative information you, sh past bills, accounts collection, tax liens, etc. worse financial situation.

Your current creditors information raise it rates lower credit limits, ty cancel yr account. apply credit, creditor review yr report determine ty te risk allow credit.

Other people check reports, insurance companies, employers, landlords. etc. fd negative information wl influence tr decision wt wk wh not. Ty lean td hr rates, etc. he negative information report. Landlords refuse rent employers hire ge promotion se reason.

The federal Fair Credit Reporting Act Saysthat negative information stay report 7 1/2 years. Chapter 7 liquidation bankruptcy Chapter 13 reorganization stay yr record 10 years. tax lien stay yr report ul pay off.

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How to get Copies of Your Credit Report

Posted September 28th, 2010 by Kent and filed in Finances
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idea yr creditworthiness, nd copy yr credit report fm national credit-reporting agencies, te all. report wl contain slightly information picture fd errors.

You entitled free copy fm eachbureau year. receive annualcreditreport.com 877-FACT-ACT.

If he ay received report dg past 12 months ty charge fee $10 report.

If additional copies you’ll contact eachbureau directly wh following information.

  • Equifax: equifax.com; 800-685-1111; Disclosure Department, P.O. Box 740241, Atlanta, GA 30374
  • Experian: experian.com; 888-397-3742; P.O. Box 2104, Allen, TX 75013
  • TransUnion: transunion.com; 800-888-4213; P.O. Box 1000, Chester, PA 19022

If or mail you’ll nd supply letter wh following information.

  1. Your fl name
  2. Your Social Security number
  3. Your date birth
  4. Your current address previous addresses past years
  5. Your phone number, including yr code
  6. The yr current employer

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Living for Now

Posted September 23rd, 2010 by Kent and filed in Finances
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person lives today? nr te time plan tomorrow. Se fun oy live moment, ignore future you’ll mt trouble near future.

Here ts watch tend live now.

  • You saveTiny all.
  • You credit instead paying cash.
  • You rarely pay yr credit sooner quick possible, thinking tt time future.
  • You nearly nr balance yr check book, check yr credit score, yr credit reports, kp household budget.

These types attitudes dangerous, ty catch wh sooner think. fit ts category continue read blog le it.

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