money Archives - The Rising Damsel

How I Fixed My Credit Score Using Free Online Resources

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How I fixed my credit score with free online resources Do you know anyone that pays cash for a house? Nope, I certainly don’t. When you repair your credit score, you are actually saving yourself money long-term. Finances don’t have to be boring, this is how I fixed my credit using free resources! With these free credit tips, you will see an immediate difference in your finances.

Our lives are intertwined with debt and as a savvy individual, you need to make sure that you are aware of rates, fees, and deductions. The danger to your pocket-book is that you’ll probably end up overpaying in fees simply because you didn’t do your due diligence when it comes to your credit score.

You have the legal right to dispute inaccurate items on your credit reports. That’s true of credit bureaus and each creditor. That means whatever financial trouble you have gotten yourself into there is steps to heal the wounds.

I’m here to help steer you in a safe direction. Use these great tips on how to repair your credit score and secure lower loan rates in the future.

When Is It Time To Consider Credit Repair?

Do you know what your credit score is?

Anything below 560 is considered to be a bad credit score.… Keep reading

5 Crazy Ways to Save Money You Haven’t Thought Of

Hello! Today we have a great article from June and Dan. They are going to tell us about some crazy new ways to save money! Enjoy!

Nearly 40 percent of American households could not absorb an unexpected $1,000 emergency with their current savings. That means that many Americans, when confronted with an immediate financial crisis, have to rely on credit cards and loans to make ends meet.

How has it gotten so hard to save money these days? Apparently, the conventional method of putting aside savings on a regular schedule isn’t working anymore. That means many people need to get creative in today’s world to find ways to save.

If you need little creative inspiration, check out these five crazy ways to save money!

Start a Handmade Revolution

Did you know that the average American household spends almost $1,000 on Christmas presents every single year? This one holiday accounts for a significant portion of consumer credit card debt, which many borrowers take months to pay off. Other holidays and celebrations are no better.

Holidays don’t have to be such a financial burden, though. Have you ever considered getting crafty instead of pulling out your credit card? Don’t worry if you’re not particularly creative, there are many homemade inspirations out there that don’t include learning how to knit.… Keep reading

Financial Planning For Beginners – 12 Best Tips for Saving Money

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My parents have always shared all things financial with me and my brother. We always knew, and still know, how much money they had or didn’t have at any given time.

It seemed mundane then, but now I’m reaping the benefits of that education.

Financial Backstory

My dad was a pilot for many companies most notably National Airlines, Pan Am, and United. My mom was a flight attendant for National and Pan Am. She retired after eight years and became a stay-at-home mom when I was born.

You would think that my parents had more than enough money being that my dad had a pretty good job. But….his career was plagued with strikes, furloughs, and company bankruptcies. Seniority numbers ruled his career. Circumstances and sometimes fate would just strike a blow that he had no control over.

When I was eight, Pan Am went bankrupt. Boom! My dad didn’t have a job at 49 years old. Poof went his seniority and pensions. He was a diehard pilot and was scrambling for any kind of work he could get. For a few months, he constructed shelves in a warehouse. He got just 7$ an hour but he did it anyway.

… Keep reading