ReadyForZero | Review – Pay Off and Manage Your Debt

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Some people just have a single loan or two that they want to get rid of.  Others have so much debt that what they really need most is an hour or two with a bankruptcy attorney.

But for everyone in the vast space in between the two extremes is an online debt management tool called ReadyForZero.

It isn’t a traditional debt management service that will actively manage your debts for you, but a debt management tool that will give you what you need to do the job yourself.

How ReadyForZero Works

When you sign up for ReadyForZero it links to your loan accounts and assembles your information – account balances, interest rates and minimum payments.  This will include not only credit cards, but also student loans, car loans, mortgages and any other loans you have.

It will display the information on all of your accounts on a single page and update it daily.  This will provide you with that all-important big picture view of your debt situation in one convenient place.
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Blue Sky from American Express® – A Great Way to Make Your Travel Spending Go Further | Review

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Are you looking for a travel rewards/airline miles card but hate the idea of all those blackout dates and weird restrictions?

The Blue Sky from American Express® credit card just may be the answer… and they’re currently offering a decent welcome bonus of 7,500 points (redeemable for up to a $100 statement credit).  Charge $1,000 on the card in the first three months of card membership and the points are yours.

Join us as we review the Blue Sky by American Express®.

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Citi Simplicity® Card Review – No Late Fees or Penalty Rate Hikes

Would you like a credit card with no late fees, no annual fee, no penalty rates hikes, and more?

Take a look at the Citi Simplicity® Card!

In this review I’ll show you the basics of what this card is all about so you can see if it’s the right card for you.

Right off the bat you are getting a card with a very long 0% introductory and balance transfer APR rate (18 months).

If you have credit card debt on other cards, and the interest rate is weighing you down, transferring your debt to a card like this can really help you make a dent in your debt (assuming you will be paying off more than the minimum amount due, of course).

Transferring my debt to a 0% Intro APR card years ago helped me pay off my credit card debt faster.  You are able to make payments that go right to your principle rather than paying off your interest.  This lets you pay off more faster.

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The Best 0% Purchase Credit Cards of 2014

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A great way to save money and earn reward points is to use a 0% purchase credit card (note that these 0% rates are introductory).

These cards can be a great way to avoid paying interest while gaining credit card benefits, rewards, miles, or cash back.  Additionally, 0% purchase credit cards offer an opportunity for you to make a slightly larger purchase, and pay it off over time.

Another bonus is the fact that many of these credit cards also come with 0% balance transfer offers.

It’s important to understand, though, that 0% Introductory rate purchase credit cards should be used carefully, and with planning.

When used as part of a plan, o% Introductory rate purchase cards can give you the advantage of a great introductory rate, and the ability to rack up the points or miles.  And, because you have an introductory period, you can take two, three months, or longer to pay off a larger purchase.

Don’t Use the 0% Introductory Rate, or the Rewards, to Justify a Purchase

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Chase Ink Cash® Business Card – Review

Small business owner?  Looking for a line of credit as well as helpful tools to manage your business?

Take a serious look at the Ink Cash® Business Card.

Here’s a card for your small business offering a nice introductory bonus right now.  This one’s a credit card (as opposed to the Ink Bold® Business card which is a charge card and you must pay in full every month) and it has the added benefit of no annual fee.

Reward Yourself With Cash

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PerkStreet – Free Online Checking, Cash Back Rewards and More – Review

Who PerkStreet Free Online Checking is For
Sadly PerkStreet will be closing its doors for good on September 26th, 2013.  They are not accepting any new applications.  If you have money with them already then your money is safe.  For more information on PerkStreet’s closing take a look at their announcement article: http://www.perkstreet.com/announcement.aspx

We’ve done a write-up about the closure and what your next steps should be if you have a PerkStreet account: PerkStreet Financial Online Checking is Shutting Down (What Happens to My Money?)

 

Are you looking for a free checking account that offers more than just basic checking services?

How about an alternative to using a credit card for your purchases (but don’t want to carry cash)?

PerkStreet(SM)’s online checking account is not only free, but offers up a generous cash back rewards when you use their debit card.

Read on for our PerkSreet review.

PerkStreet offers the debit card that helps you get debt free.  By using a debit card for your purchases you can PerkStreet Financialeasily manage your money and budget for what you spend rather than risk the possibility of incurring credit card debt.

Their rewards checking helps further being debt free by giving you up to 25% cash back on purchases (depending on the purchase).  They offer free online checking accounts and perks like bill pay, free ATM usage, excellent rewards, easy mailed-in deposits, and more.

The premise behind the bank is to offer superior service and you can talk to a live person 24 hours a day with any questions you might have.  The company’s focus is to serve people who want to manage their money responsibly and not go into debt with offering generous rewards for debit card use.
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British Airways Visa Signature Card Review – 50,000 Bonus Avios

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Do you fly British Airways?  (They have over 300 destinations BTW.)

If you do then you should take a look at the British Airways Visa Signature® Card.

The British Airways Visa Signature® Card is what many consider an airline miles credit card.  It’s a card that is issued on behalf of the airline where you can typically earn that airline’s miles faster when you buy flights with the card and you can earn additional miles on general purchases.  These miles can then be redeemed for free flights with the airline.

You can also see lots of other great perks in an airline miles card that help make owning the airline’s credit card well worth it.Continue Reading

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