Posts Tagged ‘difference’

In this 15-minute segment, I identify the diffence b/t good debt and bad debt. I also discuss some factors that can harm your credit score, as well as practices to improve your score. Get your pens out!

As Americans struggle to manage their finances through the economic downturn, many are turning to the debt servicing industry for assistance. Unfortunately, the public routinely confuses the types of services provided by debt settlement and debt management agencies, which differ significantly.

I did my research and I realized that i have a good credit report standing.

I only have 2 accounts that I am currently using.
Out of those two, for one I do have a balance but I always pay my bills on time except for two times when i was late because, the credit card company gave me the wrong due dates
They did remove the late fees however.
But 7 open in total.
5 unused
Two of them are sallie mae for school
and the other
1 for victorias secret- never used it. If I do use it I pay it once the bill comes
and the other two i dont plan on using.

Does that mean I have a bad credit score?

Anything about the stock market?

I heard the energy saving light bulbs last longer than the regular light bulbs but a couple of people have told me that they really didn’t notice a difference in their electric bill. I am trying to see if it is worth spending more money for the energy saving light bulbs or just stick with using the regular light bulbs.

What are the pros and cons of budgeting and forecasting