Five Ways to Use Credit Cards Without Getting Buried in Debt

5 ways to use credit cards without getting into debt.

Everyone knows the importance of using credit cards responsibly; the issue comes down to actually using them.

How do you use your credit cards to your advantage without also over using them to the point where they become a problem?

Let’s face it, credit cards are extremely user friendly!

Everything about them tempts you to use them even more.

From generous (and often rising) credit limits, to zero-interest introductory rates, to cash rebates and rewards, to the completely self-directed nature of the credit arrangement pull us into what is probably the most cozy relationship with any kind of debt we’ll ever have.

But credit cards are loans—as in debts that are required to be paid back.

If we ever lose sight of that we’re at risk of becoming credit card junkies or bankruptcy candidates.

How do we stay on the safe side of credit cards?

Read on and you’ll learn five techniques for credit cards to make sure you don’t get buried in debt. Remember, credit cards are a tool that can help us but only if we use them wisely.

5 Ways to Use Credit Cards Without Getting Buried in Debt

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5 Reasons Getting a Large Tax Refund is Bad

Why getting a large tax refund is bad.

The stress of doing your taxes is over.

You filed all of your forms and to your joy you’re getting back a tax refund.  And it’s a nice sized one too!

It’s awesome, right?

Not so fast.

Getting a lump sum payout after filing your taxes feels great.  But I’m going to show you that it may not be as great as you think.  There are better ways you can use your money (and it is your money).

Read On as I Tell You 5 Reasons a Large Tax Refund is Bad.

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How to Put Away Savings (Just Like the Government Does With Your Money)

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This post is part of the TaxACT How I Save blog tour which teaches you ways to keep more money in your pocket. Last year, TaxACT saved America over $240 million on tax preparation. How much can you save? To learn more about tips and strategies on saving, click here.

I save my money just like the government does. You can too!

Want to know how?

Read on an you’ll see how you can put money aside just like the government. It’s a super simple way to get your savings growing and what’s great is it requires very little effort on your part.

This is a technique I’ve been using for years to keep money flowing into my savings account. Are you ready to find out the method?

How to Put Away Savings Like the Government

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Your Guide to Setting SMART Goals For Your Finances and More

Setting SMART goals for your finances.

It’s that time of the year where people start fresh and make new goals, many of those are financial.

But did you know that according to a 2007 survey by British psychologist Richard Wiseman, 88% of resolutions end in failure?

We tend to try to do too much with little willpower to achieve our resolutions.  We need systems to help us along.

SMART Goals is one such system.

One way we can help ourselves to success in our resolutions and goals is to make them S.M.A.R.T. – Specific, Measurable, Attainable, Relevant, and Time-Bound.

The following guide will walk you through SMART goals so you’re not one of those whose goals fizzle out by March (if not much earlier).

Everything You Need to Know About S.M.A.R.T. Goals

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What Are Your Kids Gift Expectations?

What are your kids' gift expectations?

I hear some people complain that they have to buy expensive things for their kids because it’s what they (the kids) expect.

Some don’t know what they are going to do this holiday season as times are getting tight.   How are we going to get little Johnny the latest (insert expensive popular toy here)?!?

Here’s what I say – Don’t!!

Where do your kids get their expectations from?  Do they get them from friends?  From television?  Those are influences but not the real source.

Children get their expectations from their parents!!

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6 Personal Finance Books to Give for the Holidays (or Read Yourself)

Personal finance books for the holidays.

It feels good to give, doesn’t it?

But most of the things we tend to give to family and friends have a short-term effect.  They get a gift, consume it, and then it’s on to the next thing.

That’s cool and all but would it be great to give a gift that could really impact a person’s life?  

When I started getting my head straight about my personal finances books were the place to go.  The internet didn’t have as many useful sites about the subject.

But you know what?  Even with all of the information out there I still turn to books for information.

Below are some great books that I’ve either read or have heard so much about they are on my reading wish-list.  Take a look and consider checking these out.  I’d love to hear your thoughts on the books and what your favorite personal finance book is in the comments.

Oh, and you don’t have to give one of these to someone else for i to be a gift.  This could be a gift to yourself too!

Here are some of the best personal finance books that would make great gifts:

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TradeKing Black Friday Cyber Monday Promotion

Cool Stock Picks

Have you been looking to open up a brokerage account?

TradeKing has their very first Black Friday promotion going on now!

Here’s the TradeKing Black Friday Promotion:


TradeKing Black Friday PromotionOpen up a new account (new clients) and fund it with $3,000.  Then make 3 trades within 180 days and you’ll be eligible for a $50 bonus.

You need to find your account within 30 days of starting your account.  The promotion runs from November 28, 2014 at 12:01 am EST through Monday December 1st, 2014 at 11:59 pm.

This is important – make sure you use the code BF50 when you open your account in order to get your $50 bonus.

A little about TradeKing

TradeKing offers up $4.95 trades.  That in itself is great but they also have no surprise fees, no account minimums, and great customer service.  Take a look at our review to learn more about TradeKing (make sure you come back and use the promo code BF50 to get your bonus).

Click here to learn more and open a TradeKing account.

*As always make sure you read all the fine print.