Finance Globe Blog

U.S. financial and economic topics from several finance writers.

How to be a Sports Fan on a Budget

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With college football season about to kick off this weekend and the NFL season kicking off next weekend, many people are very excited! Football fans are very loyal to their teams and many want to enjoy the football season as much as possible. However, sports can be very expensive and you can easily blow past your budget without thinking. Below, I have put together a few tips and tricks on how to be a loyal...
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It May be Time to Move on to a New Credit Card

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In a perfect world, you’d obtain a credit card and use it for the rest of your life. However, as the years go by, you may come to find that the credit card you once loved is no longer what it used to be. There are times when it makes sense to move on to a new credit card. Here are a few situations that often call for a change: •    Variable rate is climbing....
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Frank
I have used other cards over time as new cards come to market and they are better deals. However, I never cancel my cards so I can... Read More
Wednesday, 26 September 2018 14:22
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How to Use a Store Credit Card the Right Way

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Much of the advice you read about store credit cards is that you should avoid them at all costs. The high interest rates and low credit limits aren’t the most attractive features for a credit card . Plus, if you’re not disciplined, you could be tempted to rack up more debt than you can afford to. Store credit cards aren’t all bad. The savings and rewards can be lucrative, especially for stores you already shop...
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Frank
I am usually against store credit cards because the returns don't outweigh the benefits. Only in unique situations where you spend... Read More
Wednesday, 26 September 2018 14:21
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Want a Personal Loan? Do These Things to Up Your Chance of Approval

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Are you interested in applying for a personal loan, but a bit unsure of your chance of obtaining an approval? While you can only do so much to improve your chance of securing funds, there are some key steps you can take to tilt the scales in your favor. Consider the following: •    Check and boost your credit score. As an unsecured loan, lenders take a strong look at your credit score before making a...
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Frank
I have never received a personal loan, but my wife has. If possible, I would try for other loans if possible, because you will get... Read More
Wednesday, 26 September 2018 14:16
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Debit Cards vs. Credit Cards

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This might be common knowledge to many, but there are people who have asked me what the differences are in debit cards and credit cards. Also if you want to teach your kids, below can be a reference guide to discuss the differences between a debit card and a credit card. Debit cards look and feel similar to credit cards . They are issued by major banks, such as Bank of America and Wells Fargo,...
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Recent Comments
Wanderer
As an addition to the difference between Debit Cards and Credit Cards is the liabilities in case of loss, identity theft and so on... Read More
Friday, 03 August 2018 05:09
Frank
Great point Wanderer! That is another reason why I solely use credit cards.
Thursday, 30 August 2018 09:14
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How to Avoid a Credit Card Late Fee

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Do you often worry about paying your credit card after the due date? Are you concerned about the impact it will have on your finances, including a late fee and red mark on your credit report? Since these are legitimate concerns, it’s time to strongly consider the many strategies you can employ to avoid late payments. Here are three to consider: 1. Conduct Regular Account Reviews As the month wears on, you should regularly review...
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Frank
If you do incur a late fee, call the credit card company. They almost always waive.
Wednesday, 29 August 2018 17:14
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Tips for Traveling on a Budget

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More often than not, I find myself dreaming of vacation. Booking an incredible vacation doesn't have to cost a fortune. Here are some tips for how to travel on a budget. In order to find the most affordable flights, you will need to be flexible about your travel. Plan trips in the off-season. Not only will you find better deals for travel, but you'll experience fewer crowds. Visiting Tokyo, Japan during cherry blossom season sounds...
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Frank
Anyone have a fun vacation (on a budget) coming up?
Wednesday, 29 August 2018 17:13
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How to Get a Lower Rate on Your Current Credit Card

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Have you come to find that the interest rate attached to your current credit card is entirely too high? Do you enjoy everything else about your credit card? If you answered yes to both of these questions, you may want to contact your credit card company to see if there is anything they can do to help. By help, we mean one thing: lowering your interest rate. There is no guarantee that your credit card...
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Frank
definitely recommend to get the phone and call. This has worked for me dozens of times.
Thursday, 19 July 2018 15:51
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5 Easy Ways to Protect Your Finances

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Remember the saying, “An ounce of prevention is worth a pound of cure”? That goes for your finances too. Whether you have a little money or a lot of it, taking steps to safeguard your finances is important for your future. Here are five easy ways to protect your finances. Choose FDIC-insured banks. The Federal Deposit Insurance Corporation, or FDIC, is a government agency that ensures your bank deposits won't be lost in the event...
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Frank
I would add credit monitoring as well. This helps you in case of fraudulent activity.
Wednesday, 18 July 2018 11:56
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Simple Ways to Save Money on Groceries

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Do you often walk away from the checkout line at the grocery store and wonder what happened? Do you immediately begin to think about the steps you could have taken to save money? In today’s day and age, with grocery prices on the rise, it’s more difficult than ever before to stay within your budget. Fortunately, you can make some basic changes to your strategy in order to save money and feel better about every...
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Frank
I spend roughly $100 a week for 2 people. We try to buy generic when we can, but vegetables/fruits add up so its hard to decrease ... Read More
Wednesday, 18 July 2018 11:48
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