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Personal finance mastery with a pinch of motivation.

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Entries Tagged as 'Credit Cards'

Why Department Store Credit Cards Are So Profitable

January 6th, 2009 · No Comments

OK, I’ll admit it.   I am amazed at all of the perks the Kohl’s charge card throws at you.  If you spend $600+ per year you are in the MVP Program.  Periodically throughout the year Kohl’s has sales that reward you with $10 coupons for every $50 you spend.  Finally, it seems like every […]

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Tags: Credit Cards · Money

Credit Scores Are A Joke

January 1st, 2009 · 6 Comments

With the economy in turmoil I decided to capitalize on plummeting interest rates.  My wife and I refinanced a few days ago and thus we will have our house paid off at age 52 (at the latest, possibly earlier).  Our lender was a traditional brick and mortar bank with very conservative lending requirements.  As a […]

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Tags: Banking · Credit Cards · Money · mortgages

Six Figure Salary And Still Broke

July 21st, 2008 · No Comments

Recently I had lunch with a friend who makes six figures per year.  Here in the Midwest that is a fabulous salary.  He has a comfortable desk job that is inside a nice, air-conditioned building.   He and his wife drive new cars and he has an in-ground swimming pool.  He must love life, right?  […]

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Tags: Banking · Budgeting · Business · Credit Cards · Money

Debt Consolidation Is A Terrible Idea

May 30th, 2008 · No Comments

So you’ve gotten yourself into a jam. This credit card was to cover that unexpected car repair. That credit card was to pay for Christmas. Oh and this credit card….well you’ve had a balance on it for eons so it doesn’t count. Now, you see (or hear) a commercial for that magical elixir called debt […]

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Tags: Credit Cards · Money

Macy’s Credit Card Dark Little Secret

January 7th, 2008 · No Comments

As mentioned in Living Without Credit Cards my wife and I are currently not in agreement yet about canceling all of our credit cards. Recently, she opened up a Macy’s department store card for the initial 10% off her first purchase. We used to do this so often in the 90s when we bought our […]

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Tags: Credit Cards · Money