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In Money Trouble?
Okay, this article is packed with ways to prioritize your spending and save money creatively. But what if you're reading this article too late? What if you're already in deep trouble when it comes to money?
And let me define "deep trouble"—you're so broke you're thinking about singing for change on a busy street. Being 30 days late on some payments, a shutdown phone, bounced checks, or lights being turned off in your pad also describe "deep trouble."
Getting a Credit Card This Spring Or Summer?
Watch Out for These Tricks!
Been thinking about a new credit card? Think all credit cards are alike? If you think that, good luck. You're going to need it!
A lot of credit card companies will tell you that new regulations just put in place make it easy for you to get the right card—and make it harder for companies to push you to get a credit card when you shouldn't get one.
Freedom!
Question: When you were younger, did you look forward to having more independence and freedom when you got older?
Second question: Now that you're older and on your own more, do you still like the idea of a lot of freedom?
Third Question: So how do you gain that independence?
Wanna Make A Bet?
I'm betting you know what credit is: an arrangement for you to pay for something at a later date. "Okay, gimme the car today, and I'll pay you later."
But do you know what your credit score is? Okay, have you even heard of a credit score? More importantly, do you know how important that credit score is to the rest of your life?
Burning Money!
Would you burn a hundred dollar bill right now? Do you know anyone that would?!
You may be burning that much money, or more, even if you follow our other tips for managing money on this website.
Here’s how:
Read more.
Cell Phone Scams
We’re cruising along in the car listening to music. My buddy gets a phone call:
“Last warning: your car insurance warranty is about to expire! Press "1" to talk to a representative,” the voice says. Without thinking, my buddy presses “1” and looks lost while listening to what the person on the phone has got to say.
Financial Crisis?
What is this financial and credit crisis everybody is talking about anyway?
Here’s a definition from theFreeDictionary.com: a long-term economic state characterized by unemployment and low prices and low levels of trade and investment.
This basically means that a lot of good people are losing their houses, cars and jobs. And to make it even worse… The majority of businesses are not hiring people.
Identity Theft
And yet another article on identity theft… Boring! But is it?
Did you know young people are big targets?
What is ID Theft?
A scammer uses your name, personal information, and credit to steal products and services and leaves you with the bill.
Pyramid Schemes; A Scam To Watch Out For
Get this scenario: you, a college student who has discovered the luxury of 10 Ramen Noodle cups for only a buck, are approached by a young man dressed-for-success at the local JCrew.
He begins by asking you questions like where you go to school, what you’re studying and what do you want to do with your life. He then tells you a little bit about himself...
Online Scams Target You!
Online scammers like people our age for two reasons: They know we love the Web, and they know we trust people.
The result? More young people are being ripped off online right now than ever.
A Fund Raising Scam!
So, what would you do with this phone call?
You answer the phone, and there’s this nice lady on the other end.
She says she works for Greenpeace and asks if you would like to make a donation to save the whales that are being killed in the Norwegian Sea.
Of course! You’ll help them fight these animal abusers!
You decide to donate $100 to the good cause—your savings for four months.
Credit Card Phishing!
Will You Be Lucky Enough to Get a Call Like This?
You’re sitting around when you get a call from someone who says they are with your credit card company’s fraud department. There’s “suspicious” activity on your account.
Because you are very smart, you know scam artists make calls like this and start questioning the caller.
Facebook & MySpace...
Wicked!
Social networking sites are great places to keep in contact with friends, develop relationships and meet new people in interesting places. Social networking sites are great places to keep in contact with friends, develop relationships and meet new people in interesting places.
But what are the dangers?
Free Calls
Anytime... Anywhere!
Calling anywhere in the world for as cheap as 1.7 cents a minute? In my dreams?
In my dreams indeed. But apparently dreams do come true.
Did you know you could actually make a call to Liechtenstein for under $0.06 per minute? Where is Liechtenstein? Far away, but that’s not the point. What you are about to read might change your life forever. It did mine, that’s for sure.