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Impulse Spending: Control Your Purchases

Eylül 21, 2025 • moneyfit.org

How to Overcome Impulse Spending for Good Most households do not have an income problem, they have a spending problem. And spending problems usually involve impulse decisions and overspending. Overspending can result from any or all of the following: Making a purchase on impulse, using cash or debit card, or more often, a credit card…

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Building Credit: A Complete How-to Guide

Eylül 21, 2025 • moneyfit.org

How to Build Your Credit Rating When building credit from scratch (as most young adults must) or rebuilding credit after a run of difficult financial challenges (medical, collections, bankruptcy, job loss, etc.), there are several steps to take to improve credit scores and show potential creditors that you are not a high risk to them…

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You’ve Paid Off Your Debt! Now What?

Eylül 21, 2025 • moneyfit.org

Now’s the Time to Shape Your financial future. First, congratulation! Getting yourself out of debt is not easy. If you have succeeded, know that you fought an uphill battle to get where you are. You should be proud of yourself. However, getting out of debt is a lot like graduating college — it’s hard to…

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Why Own a Credit Card? Benefits Explained

Eylül 21, 2025 • moneyfit.org

When Managed Properly Credit Cards Can Offer Some Tempting and Worthwhile Rewards Owning a credit card can be a rewarding experience when managed properly. From rewards points, signup bonuses, frequent flyer miles, exclusive events, and more, if you use your credit cards responsibly they can be well worth it. Let’s take a closer look at…

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Reasons to Avoid Owning a Credit Card

Eylül 21, 2025 • moneyfit.org

The Dangers of Mismanaging Credit Cards A credit card provides many advantages to its users. While they are widely used all over the world, the truth is that there are legitimate reasons why you should avoid credit cards. In part one, we discussed all the benefits — now, let’s look at the cons of owning…

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Managing Debt: Take Control of Your Finances

Eylül 21, 2025 • moneyfit.org

The Best Repayment Options For Managing Your Debt Are you struggling to make ends meet and having a difficult time paying your bills? Are you getting alarming notices from debt collectors? Or are you worried about losing your grip on your future due to potentially losing your home or vehicle? In such cases, you need…

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Teaching Kids about Investing for Financial Security

Eylül 21, 2025 • moneyfit.org

Financial Security, The Powerful Gift from Parent to Child Finance is a tricky topic, but if we choose to neglect these discussions, our children will pay the price. We often reduce financial education down to the age-old rules of budgeting, and we might teach our children to save up money to buy what they want.…

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How to Request Lower Interest Rates on Your Credit Cards

Eylül 21, 2025 • moneyfit.org

Studies Show That Most APR Reduction Requests Are Approved If you don’t ask, you’ll never know. This expression applies to everything from job raises to loan applications. It is also very relevant to ask your credit card company for a lower interest rate. A recent survey by Lending Tree found that seven out of ten…

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Dealing with Addiction Related Debt

Eylül 21, 2025 • moneyfit.org

Hope for Healing the Household Financial Disorder If you’ve been around the debt management and credit counseling industry as long as I have, you notice patterns. When it comes to addictions and debt, I’ve noticed that self-reported debts related to addiction are few and far between while conversations with spouses and family members dealing with…

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