Sample sales, handmade jewelry and dining discounts.
In America, it helps to have a great credit score. Credit scores are numerical summaries of your credit- worthiness based on information from credit bureaus. Having a good credit score is important because it can help you secure a job and secure prime financing rates (lower interest rates) for large purchases such as: homes and cars. Insurance companies as well as prospective landlords may want to see your credit score before offering their services to you.
Employers want to see your credit score because they think that your credit score reflect stability and responsibility. Banks want to see your credit score to see if have handled your bills properly in the past before they will extend credit to you. Landlord and insurance companies also want to make sure that you are a desirable customer as well.
Don’t forget that you need to sign a release stating that it is ok for prospective employers or financiers to obtain your credit score.
Before you pay for any credit report from the top three agencies I suggest checking out AnnualCreditReport.com. AnnualCreditReport.com gives you the option of pulling one report at a time from all three agencies or pulling all three reports concurrently.
If you haven’t checked your credit score in over a year and you haven’t exercised using your free AnnualCreditReport.com pull all three, just so you know where you stand. Next year, you can stagger your credit reports using AnnualCreditReport.com to pull one report at a time every 4 months. For example: pull Experian in January, then pull TransUnion in May, lastly pull Equifax in September.
If you have already used your AnnualCreditReport.com, you can always contact the three agencies separately to request a credit report.
If you haven’t checked your credit score in over a year I suggest pulling your credit report from all three agencies, Experian, TransUnion and Equifax at the same time or pulling all three free reports from AnnualCreditReport.com. Start with a clean slate to see where you stand.
Be careful of of imposter sites AnnualCreditReport.com’s front page should look like this.
Keep track of your credit report, it can help you find out if other people have used your identity to obtain credit in your name, aka identity theft.
If you do catch something fishy in your report notify the following agencies:
TransUnion Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834 Fax: 714-447-6034
Equifax Credit Information Services
Consumer Fraud Division
P.O. Box 105069
Atlanta, GA 30348
Experian’s National Consumer Assistance
P.O. Box 1017
Allen, TX 75013
Last year I got into a major car accident and my car was totaled. For about 2 weeks I was in a rental car courtesy of my insurance company, but that went sour when I got a call on a Friday afternoon saying that my rental car was due the following Monday. I had a deadline: I had to test drive and buy a car in 3 days.
These are the steps I took to buy and finance a car in three days. Did I mention I went by myself? By the way, I look like I am 16 so just make sure you are informed and I’m sure you score huge!
|NATIONAL OVERNIGHT AVERAGES||TODAY||+/-||LAST WEEK|
|36 month new car loan||6.71%||6.70%|
|48 month new car loan||6.50%||6.49%|
|60 month new car loan||6.51%||6.51%|
|72 month new car loan||6.44%||6.44%|
|36 month used car loan||7.08%||7.07%|
Ever rummage through your drawers only to find a button? You raise your arms up in a half shrug, look around, and wonder, where the bleep did this come from? Where does this button go? What coat does it belong to? Does it belong to my BCBG work top? Dammit, it looks like that small button for that cheap cotton tank from Target… And you wonder how a little piece of plastic can get you all undone.
After I am done shopping I make it a big deal to take that extra button (in the ziploc/ or sewn onto a strip of cloth) and I write a little note on either the tag or on a separate piece of paper, stating the button’s rightful owner. My tags would say something like: button for red dress, sample sale 06/08. I will then staple the note to either the cloth or the ziploc that holds the button. I also keep all the buttons/and or zippers I have accumulated in a designated container.
Whenever I am missing a button I can do a 5 second catalog check of my button library before rushing out the door to take the pile of clothes to be cleaned and mended at cleaners.
And all of my tops have their original buttons. =D
Saving money doesn’t have to hurt like pulling teeth or pulling the skin off your retina, but I want to inform you about this handy dandy little thing that I use to save money.
A Flexible Spending Account (FSA) is a benefit that many employers now offer as a part of their benefits plan. A FSA is a pretax benefit allowable under IRS section 125, section 125 is also another name for FSA.
This plan is awesome because you can set aside a specific pretax dollar amount for the year to help pay for: medical, vision, dental, over- the- counter items, and dependent care expenses. Think of your FSA as a savings account for medical expenses your insurance won’t cover. However, you cannot use your FSA to pay for health insurance premiums.
Pretty nifty, huh?
The pretax dollar amount that you contribute to your FSA for the year, is pretax money funneled directly from your paycheck and into your FSA. Note: the money that is deducted from your paycheck is not taxed.
Woo hoo! Uncle Sam can’t pillage that chunk!
Example: Jane makes $100 a week. She then decides she wants Lasik (to check out all the hot guys at the beach), sometime before June 2009. At the end of 2008 Jane peels herself from her chair and walks over to her Human Resource department. Jane is going to put aside $800 into her 2009 FSA to pay for her upcoming Lasik surgery on January 2, 2009. Jane’s company then calculates a $15.39 deduction from each paycheck ($800 aka 2009 FSA designated contribution/ 52 checks she gets a year = $15.39 a rough contribution for 52 checks). Jane then goes to the hospital on January 2, 2009 and she will get reimbursed for her Lasik bill with money in her FSA. I bet you are thinking, she has only had one deduction of $15.39 taken off her checks so far. Is the money in her FSA available? It doesn’t matter, the money is ready to use, even though she hasn’t worked hours yet. HAHAHAHA!
Jane came up:
Oh yeah baby, you just saved yourself a discount equivalent to your tax bracket, to pay for a medical bill, you didn’t really want to pay in the first place. For people that don’t use a FSA you are paying your medical bills with money that Uncle Sam already took a bite out of, thus decreasing your buying power.
One major drawback is that if you lose it if you do not use, (usually) by March 15 the next calendar year. Verify this with Human Resources department since employer’s plans vary. Don’t forget you can always be conservative and designate a small amount.
You also need to let your HR department know how much you want to direct into your FSA, it is $5000 a year for those with dependents and $2400 for reimbursable medical expenses. Yes, you can pay for child’s daycare this way, or condoms and birth control pills. Whichever route you take these are all covered under your FSA. =D.
Repeat: Tax free discount equivalent to my tax bracket, money that acts as an interest free loan, so I can pay for medical bills that my crappy health insurance won’t pay! Me likey!
Sometimes while I’m at work I wish I was an octopus, I wish I had 8 hands to help me with whatever I need to accomplish that day/ week/ or month… As I am daydreaming, I can feel myself floating out of my body and suddenly I’m the Master Pussy, Octopussy to be exact! Master orchestrator of all! Ruler of the office! The one that got it all planned out…
Until my bubble pops, with the ring of the phone and then I realize I have wasted 20 minutes, when I should have been arranging all of my tasks, deadlines, and errands into some kind of coherent and efficient manner that doesn’t involve 39 post- its.
I wish someone can just email me during the day to remind me to, “Stop daydreaming and focus!”
And I found her!
Her name is Sandy and she’s a personal email assistant and she’s FREE!
Sandy can help you while you are at work by reminding you about tasks and deadlines. She will do the dirty job of text messaging you to buy milk. She even syncs with outlook. Sandy doesn’t stop there; she provides support by offering suggestions like: enjoy the day and take a walk along the neighborhood. She also knows her way around twitter. Oh, she can also keep a contact list handy. I also heard she can text your boyfriend/ hubby to buy you birthday flowers. How’s that for free 99?
With Sandy’s help, I can no longer say, “I’m sOo Sorry I forgot your birthday, I totally had my head up my butt”.