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Written by Griff Hanning
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Friday, 02 July 2010 03:57 |
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 Fred, a 5G Plan member, asked me this question a few weeks ago. "Regarding building credit score and a good report, do you have any advice or strategies that can benefit me on this journey. Its highly appreciated. Keep up the good work."
Credit scores range from 350 to 850. The higher the better. The average nationwide credit score in 2008 was 694 according to Experian's National Score Index. Having a score over 720 is optimal. You want to have a good credit score because often lenders will give you a rate based on your score or they will not even provide you with credit if your score is below a certain level.
To improve your score you need to know what factors go into determining your score. Here is the breakdown.
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Read more... [How to Improve Your Credit Score]
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Written by Robby Davis
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Friday, 02 July 2010 03:05 |
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This article was written by Robby Davis. Robby is a school teacher and graduate student. He and his wife, Megan, live in Tulsa, OK. He is a big sports fan and is known for being the life of the party. Robby hopes to be able to help others find financial freedom by sharing what he has learned throughout his journey. |
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Read more... [Eliminating $20,000 of Debt Right Out of College | Robby's Story]
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Written by Griff Hanning
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Friday, 02 July 2010 02:26 |
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I've been battling with my own mind on whether I should get rid of my credit cards and just go with debit cards.
I see two sides of the coin, but I need you to help me determine which one Michelle and I should use from now on. Here are a few of my thoughts on the matter of credit cards verses debit cards.
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Read more... [Debit Card Vs. Credit Card; The Battle Wages On]
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Written by Griff Hanning
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Friday, 02 July 2010 01:56 |
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 Negotiations. There are people in the world who love confrontation and are OK when others do no like them them. I'm not one of those people. I hate confrontation. But then again, I've notice that the older I get, the bolder I become.
There are plenty of situations in life where "rocking the boat" is OK. And one of those situations is negotiating your credit card interest rates. By negotiating better rates, you will be able to accelerate your debt even faster and hopefully become debt free before you know it.
So, rather than going on and on about how beneficial credit card interest rate negotiations are, I'm going to just jump right into it.
Here is a script you can follow in order to negotiate your credit card interest rates:
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Read more... [A Script for Negotiating Your Credit Card Interest Rates Down]
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Written by Griff Hanning
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Friday, 02 July 2010 00:11 |
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Debt Solutions
 College tuition only continues to go up. In fact according to an article on CollegeBoard.com students can expect to pay any where from $172 to $1,096 more this year than last year. The average cost of college tuition for a private school is around $26,000 per year and the average tuition for a public school is around $7,000. This could mean $28,000 to $104,000 in school debt at graduation. Yuck!
I don't know a whole lot of students who want to hang on to that debt for very long. Most of them want to get rid of it as fast as possible so that they can move on with their lives.
Here are a few tips on how to quickly pay off your student loans:
1. Keep living like a student.
Despite what the rest of the world tells you, you don't have to get out of college and immediately start living like your parents. In fact, my suggestion is to live WITH your parents after you graduate.
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Read more... [How to Quickly Pay off Student Loans as a Graduate]
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