Protect Your Money, Credit & Identity

Protect Your Money, Credit, and Identity

Protect Yourself

Protect Your Money, Credit, and Identity

Thrifty Deal of The Day

Sears SALE DATES: Thursday 3/5 - Sunday 3/8

All your spring essentials will be on sale plus get Free Shipping on Tools and Lawn & Garden items during Sears' 4-Day Get It Done Sale running Thursday 3/5 thru Sunday 3/8!

Highlights of the sale:

- 15% off all Appliances + Free Delivery of 12 months NINP
- Thousands of Tools on sale + Free Shipping over $125
- All Craftsman Power Lawn & Garden and Outdoor Storage on sale + Free Shipping over $125
- All Tires on sale

Good Deals!
Janet

Thrifty Deal of The Day - Credit Reports

If you aren't careful about your credit, you could end up paying dearly for a low credit score. Not only can a low score stand in the way of getting a loan for your dream home or dream car, but even if you do get the loan, a less-than-stellar score will make it expensive.

A fact about free credit reports that you need to know...

From http://www.ftc.gov/freereports
"An amendment to the Federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. But there’s only one online source authorized to do so. That’s annualcreditreport.com. Beware of other sites that may look and sound similar."

Use the link above and check your credit score today!

Janet

Thrifty Deal of The Day - Taxes

If you have a simple tax return, TurboTax Free Edition is the easy way to do your taxes and get your maximum tax refund.




We all hate "tax time"! At least if you have a simple return, you can file free with TurboTax Free Edition.

Have a great day!
Janet

Thrifty Deal of The Day

Get Thrifty Living deals from DrugStore.com.


Let me know what you think about this site. I have been very pleased with them.

Janet

Debt Elimination

Would you like to be debt-free? Kinda a silly question I guess!
I found a FREE ebook written by debt expert Charles J. Phelan. It's 32 pages (and did I say FREE?) and here's some of the things you will learn:

• The inside story on how debt elimination programs REALLY work, instead of the usual sales hype?
• How to avoid the SHOCKING 75% failure rate of most debt relief programs?
  Why debt negotiation and settlement is a FLEXIBLE and PRACTICAL option for debt resolution?
• Why the NEW BANKRUPTCY LAW has no effect on the debt negotiation strategy?
• Why DO-IT-YOURSELF debt negotiation is safer and better than hiring a settlement company?
• Why debt negotiation & settlement is the ONLY approach that lets you vary your monthly payment level based on your financial circumstances?

The book is called "How to Eliminate Your Debts Quickly and Safely Without Filing Bankruptcy" . Go here now and get your free ebook.






Janet

Thrifty411 Tips for Your Credit

• Beware of scams. There are a lot of scams that deal with credit. Debt suspension offers, paying fees in advance, buying credit protection, and rebuilding credit usually sound too good to be true. There's a reason for this: they are.


• Don't use your credit card for cash advances. It will harm your credit score and the interest rates are outrageous.


• Consolidate your loans. Especially those student loans. With a student consolidation loan, you can lock in several loans at a fixed interest rate and have just one lender to pay each month.


• Avoid payday loans. Bottom line: they're scammy and they charge high interest rates. If you do need an emergency cash loan, just be aware of the risk of high interest rates.


• Be cautious with home equity loans. If you can't make a payment toward a home equity loan, you could lose your house.


• Pay off your credit card debt. Credit card debt is usually the debt with the most interest. So pay it off first. Better yet, don't accumulate it in the first place.

Check out http://www.thrifty411.com/ for more on being thrifty and frugal.

Budget Guidelines

How much of your income should be budgeted for your housing expenses?

How about for paying on debts?

Here's a list of "recommended budget guidelines" for percentages of your gross monthly income:

• Housing 35%. This includes mortgage or rent, taxes, repairs, improvements, insurance and utilities.


• Automobile or public transportation 20%. Vehicle loan payment, gas, oil, repairs, insurance and parking.


• Debt 15%. Credit card payments and personal loans.


• All other expenses 20%. This includes food, insurance, medical, clothing, personal items and childcare.


• Savings 10%. Stocks, retirement accounts, real estate and savings accounts.