Archive for the ‘Debt’ Category

Have You Frozen Your Credit Yet?

Thursday, November 5th, 2009

In speaking with friends it still surprises me how many have yet to freeze their credit reports. I know it seems like a bit of a hassle, but it's not and the protection it provides is remarkable. It will take you less than 30 minutes and will cost $30 per ...

Paying Off Your Mortgage Early Is A Bad Idea When…

Monday, September 21st, 2009

...inflation is on the rise. That's speaking in economical terms. If you have fixed payments and inflation goes through the roof then you'll be paying your mortgage back with worthless dollars, and therefore you will be ahead. Economics aside though, I agree with Dave Ramsey's baby steps as far as the ...

Costco’s Debt-Pushers Drive Me Crazy

Thursday, September 10th, 2009

I'm a big fan of Costco. For numerous reason I like Costco much better than Sam's club, and the main reason is that Costco is all about value. I'm careful in that I make sure I'm not buying organic or "all natural" products when I just want the normal versions, ...

Falling Off The Credit Grid May Be A Bad Idea

Monday, October 13th, 2008

I'm a fan of Dave Ramsey, getting out of debt, and cutting up (some) credit cards. The main issue I have, however, with cutting up all of my credit cards is the affect it will have on my credit score. I can hear the comments already.... "But Todd, your FICO score ...