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

Budget for Better Credit

All pestilence of fraud aside, are you your own worst enemy when it comes to credit?  Do you dive into debt in the season’s greeting of sales?  There is hope.  If you can talk, text, and chew gum, you can improve your credit score…even during the holidays. Make a budget for holiday shopping.  A budget can help you stay on track for your spending and saving goals (it does the same thing in bankruptcy).  The State of Florida has a free online holiday budget calculator at http://www.myfloridacfo.com/YMM/Calculators/Holiday.aspx. Pay your bills.  When the holidays are over, pay your bills on time every time.  Then may the hope of a more prosperous New Year rise with your credit score!   Read More