• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Free From Broke

A Personal Finance Blog for Regular Folks

  • Home
  • Personal Finance
  • Debt
  • Saving
  • Investing
    • Best Online Brokerages
  • Taxes
  • Credit Scores

Bank

Send Credit Card Companies A Message By Using Cash Only

Published or updated January 2, 2013 by Melissa

Using cash instead of credit cards

A few years ago, it was a credit card user’s world. As long as you paid on time and didn’t go over your limit, you could have your choice of credit cards and interest rates.  However, with the Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act) that went into effect last year, meant to crack down on credit card companies, consumers are finding that they are paying higher interest rates.  In addition, it can be harder to negotiate a lower interest rate.

I had a credit card for over 15 years that routinely offered an interest rate below 10%.  Now, the interest rate is 15.99%.  When I called to have it lowered, they would not negotiate with me as they had in the past.  When I threatened to take my business elsewhere, they were unfazed.  “Sorry,” I was told, “there is nothing we can do at this point.”
[Read more…] about Send Credit Card Companies A Message By Using Cash Only

Filed Under: Bank, Credit Cards, Debt Tagged With: cash only, credit cards

The 8 Least-Evil Banks as Determined by CNNMoney

Published or updated December 16, 2013 by Glen Craig

CNNMoney has put together a list of the 8 least-evil banks.

What do they mean by least-evil?

Since legislation passed not long ago to reign in bank fees and unfair practices, more and more free banking is disappearing and many banks have been implementing all sorts of fees to make up for lost revenue from the new laws.  Some banks offer ways to avoid their fees but you have to jump through hoops to figure out how to qualify.

Why is this important? Bank fees can drain your account!  You can easily find yourself paying a good amount of money in bank fees every month.  According to a Wall Street Journal article (The New Bank Fees: How to Fight Back, June 19, 2010), the average fee for falling below the minimum balance on an interest-bearing account is $12.55 while the average overdraft fee was $29.58.  Add to that the fact that banks will be looking to either limit debit card transactions or add fees to the transactions and you can see how it’s getting expensive to bank!
[Read more…] about The 8 Least-Evil Banks as Determined by CNNMoney

Filed Under: Bank Tagged With: free checking accounts, least evil banks

Shred Your Credit Card – Giving Away Over $2000 to See You Destroy Your Credit Card

Published or updated April 3, 2013 by Glen Craig

Shred Your Credit Card

Are you sick of your credit card? A lot of people are!  Now you have a chance to win cash prizes by destroying your credit card.

Perkstreet Financial and Lending Club are teaming up to help people end their reliance on credit cards. They are declaring January 31,2011 Shred Your Credit Card Day.  When credit isn’t used wisely it can snowball into tremendous debt.  Perkstreet and Lending Club want you to know there are alternatives to using a credit and that you can end your debt!

Shred Your Credit CardFrom December 15th, 2010 through January 29th, 2011, can can enter a video of yourself destroying your credit card(s) or why you are done with credit in 2011. Upload the video to ShredYourCreditCard.com and you can be entered to win!

Why you should participate (from the ShredYourCreditCard site):

[Read more…] about Shred Your Credit Card – Giving Away Over $2000 to See You Destroy Your Credit Card

Filed Under: Bank, Credit Cards, Debt Tagged With: debit card, eliminate debt, lending club, perkstreet online checking, shred your credit card

What Is Peer to Peer (Person to Person) Lending?

Published or updated March 28, 2013 by Glen Craig

There has been a lot said about peer to peer (P2P) lending lately. With the economy and credit market crunch making it difficult to get more traditional loans, “alternative” lending opportunities are arising.  Peer to peer lending is a way for those who might be turned down by a bank to get the loans that they want/need, while providing an opportunity for investors to make some money by lending to others.

What is P2P (Person to Person) Lending?

[Read more…] about What Is Peer to Peer (Person to Person) Lending?

Filed Under: Bank, Debt, Investing Tagged With: invest without stocks, p2p lending, person to person lending, what is peer to peer lending

Our Daughter’s Allowance and ING Direct

Published or updated February 23, 2013 by Glen Craig

Our oldest daughter is ten years old.

She gets a weekly allowance for doing specific chores around the house as well as for helping out in general.

Payday for her allowance is Sunday.

Want to teach a child how to remember a day?  Have them remember their allowance pay date!  Not a week goes by that our daughter doesn’t remind us on Sunday that it’s pay day.

I’m not complaining, mind you.  I think it’s pretty cool that she remembers and keeps track.

Anyway, we give her the allowance in cash. Over time she has built up a tidy little sum, adding to it the occasional birthday or holiday money she has received.  The money is hers to do with as she wants, though we help guide her and advise her in her spending.
[Read more…] about Our Daughter’s Allowance and ING Direct

Filed Under: Bank, Kids, Saving Tagged With: child's allowance, ing direct savings sub account, kid's allowance

  • « Go to Previous Page
  • Go to page 1
  • Interim pages omitted …
  • Go to page 5
  • Go to page 6
  • Go to page 7
  • Go to page 8
  • Go to page 9
  • Interim pages omitted …
  • Go to page 11
  • Go to Next Page »

Primary Sidebar

A Little About Me

Glen CraigI'm Glen Craig - I used to live paycheck-to-paycheck, drowning in credit card debt. I turned that all around and now I build wealth rather than debt.

My goal is to make personal finance easy for you.

More ABOUT me.

Join our email list (FREE) and never miss an article!


Free From Broke as seen on

Follow Us

FacebookGoogleTwitterRSS



Follow @freefrombroke

Top Articles

  • Use Google Calendar To Pay Your Bills On Time
  • 9 Things to Do When You Retire
  • Side Hustle-Make Extra Money Cleaning Homes
  • Four Ways You Can Pay Off Your Home Mortgage Faster
  • Don’t Forget Your 401(k) When You Leave Your Job! Here’s What You Can Do With It
  • Your 4 Step Guide on How to Stop Living Paycheck to Paycheck
  • What Is A Mortgage Escrow Account?
  • This is Why Your House Isn’t Selling – Here’s How to Finally Get Your House Sold
  • 7 Ways to Get Rich Quick
  • What is Renter’s Insurance and Why You Need It
  • What Is a Probate Lawyer and When Would You Use One?

Recent Articles

  • Money Market Account VS Savings Account – What’s the Difference?
  • Five Ways Fantasy Baseball is Like Personal Finance
  • Tools to Help Organize Your Taxes
  • Don't Let Your Goals Fizzle Out! - 5 Reasons Goals Fail, and What You Can Do To Make Yours Succeed
  • What Do You Think of New Year's Resolutions?

Tools to Improve Your Finances

  • Online High Yield Savings
  • All About Online Checking Accounts – Why Pay More Fees Than You Have To
  • Personal Capital Review - A One Stop Financial Center
  • Online Brokerages That Won't Break Your Bank
  • Credit Karma Review - Get Your Credit Score and More
  • CD Rates
  • Savings Rates
  • Mortgage and Refinance Rates
TurboTax Review HR Block Review Shoeboxed Review

Follow Us On Pinterest!

Follow Free From Broke's board Most RePinned and Popular {Free From Broke} on Pinterest.

Footer

More

  • About
  • Archives
  • Contact Us
  • Get Our Newsletter

More Recent Articles

  • Think Long Term When Shopping Black Friday and Cyber Monday
  • 10 Essential Tips For Shopping Black Friday And Cyber Monday That Will Save You Money
  • How to Improve Your Credit Score Fast
  • What is a Refund Anticipation Loan (RAL) and is it Worth It?
  • Paying Taxes with a Credit Card: Pros and Cons

Disclaimer

Free From Broke is for general information or entertainment purposes only and does not constitute professional financial advice. Be smart and do your own research or contact an independent financial professional for advice regarding your specific situation.

In accordance with FTC guidelines, we state that we have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

© 2007–2025 Free From Broke A Personal Finance Blog For Regular Folks – All rights reserved.

No content on this site may be reused in any fashion without written permission from FreeFromBroke.com | Privacy Policy | Sitemap

Copyright © 2025 · Metro Pro on Genesis Framework · WordPress · Log in

We are using cookies to give you the best experience on our website.

You can find out more about which cookies we are using or switch them off in settings.

Go to mobile version
Powered by  GDPR Cookie Compliance
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.

Strictly Necessary Cookies

Strictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings.

If you disable this cookie, we will not be able to save your preferences. This means that every time you visit this website you will need to enable or disable cookies again.