If you’re a freelance writer, or thinking about becoming one, then you know that writing is the easy part. Finding places to pitch your writing, eg, marketing it, takes up the bulk of your time.
This interest rate is what is the single biggest factor that determines what you will need to pay back. As such, knowing which offers the better and lower rate, is a great way to save big.
Something else to keep in mind is to make sure that you’re interest rate isn’t more than it should be. You’re going to get a different interest rate and just about every place that you apply with and they can vary widely. Being able to compare offers from multiple sources is going to help you to make the best decision in the long run. The key here is to make sure that you are qualified for a good vehicle, with the lowest interest rate and longest payment terms possible.
The book has a great perspective on car buying, second mortgages, toys with depreciating values (e.g. boats, cars, etc.). Also, the book covers extensively and clearly about borrowing from relatives (or should I say, not borrowing from relatives). It is up to you to take part of being debt-free. I appreciate the direct approach about personal Fullcreditus. Personal finance is more personal than financial. Most experts (or “experts”) focus on the financial numbers rather than the growth of the individual to become debt-free. That is the purpose of the baby steps. You will change and become a person who can handle money better and wiser.
Pay your balances accordingly. Credit score goes higher when there is a harmonious balance between how much credit were used and the available credits you currently have, but the best would be to use very little credit as much as you can. It’s very basic, but lots of people have made this mistake too frequently.
Work on paying off credit card debt. Taking out a card to buy something involves using money. It’s not just a plastic card with unlimited funds. When those bills and fees pile up, they take a toll on a person’s credit history. That is why it’s so important to pay them off as much and as quickly as possible.
I would encourage you to take the time and develop an investment plan of your own. No matter how small you have to start, the key is to get started. With companies cutting out pension plans, and the uncertainty of social security benefits, having a good investment plan makes solid financial sense.