Holiday Budget

Holidays can be hard on your good spending habits.   Generally, you do not want to max out your credit cards or open new lines of credit when you are trying to build credit (as for a home, auto, or student loan in the near future).  Minimize the holiday hangover on your credit card bills by building a budget. A budget can help you stay on track for your spending and saving goals.  If you can talk, text, and wrap presents, you can make a budget.  The Florida’s Chief Financial Officer Jeff Atwater has a free online holiday budget calculator at http://www.myfloridacfo.com/YMM/Calculators/Holiday.aspx. …And remember to pay your bills on time every time.   Read More

Shopping for Better Credit

There are 31 shopping days left until Christmas.  Minimize the holiday hangover on your credit card bills with a spending budget. Generally you do not want to max out your credit cards or open new lines of credit if you are trying to build credit (as for a home, auto, or student loan in the near future); however, holidays can be tough.  A budget can help you stay on track for your spending and saving goals. If you can talk, text, and wrap presents, you can make a budget.  The State of Florida has a free online holiday budget calculator at http://www.myfloridacfo.com/YMM/Calculators/Holiday.aspx. …And remember to pay your bills on time every time. Read More

Who Am I? ID Theft

No one is you-er than you.  Be vigilant and monitor your personal information; check your bank statements and credit card bills.  Signs of Identity Theft include the following: Unexpected withdrawals on your bank statement Strange new account on your credit report Calls from debt collectors about debts that are not yours Unexpected bills Bills you expect stop coming  Take action right away to stop impersonators.  The Federal Trade Commission (FTC) offers four steps you should take immediately if you are the victim of Identity Theft:  1. Place a fraud alert on your credit reports, and review your credit reports. 2. Close the accounts that you know, or believe, have been tampered with or opened fraudulently. 3. File a complaint with the Federal Trade Commission. 4. File a report with your local police or the police in the community where the identity theft took place. Know the signs of Identity Theft and Take Action right away. Read More