Mar 21 2012
Always pay attention to your credit report. There are a lot of ways to see your credit report at no cost. Check your report twice every year for mistakes or to make sure no one has tried stealing your identity.
If you handle your banking and other personal finance matters online, take note of the alert services your bank offers. If something happens in your account you will be notified in an email or through a text. Low balance alerts and large withdrawal alerts can help protect you from overdraft and fraud, for example.
No credit repair company can guarantee 100% success in repairing your history. Many companies put out marketing materials that make broad claims about what they can do for you. Remember that every credit situation is different, so there is no blanket cure. There is no way to guarantee success in credit repair and if anyone says otherwise, they are being dishonest.
Everyone makes mistakes now and then, especially with their personal finances. If a check bounces, you can request the fee be waived. Getting a fee waived is usually only a one-time deal, though, so don?t abuse this tactic.
One way to be sure you pay your bills on time is to set automatic payments which can be done at your bank. If you pay on credit card bills every month by the due date, you build up a good credit rating even though you are not paying the balances off in full. If you schedule an automatic debit of your checking account, you eliminate the need to worry about making a payment late.
Tackle those home improvement projects on your own if possible. There are many classes on home improvement, as well as online videos. Use these to teach yourself.
As noted above, money management has an effect on all aspects of your life. By using these tips, you will be successful in your journey toward financial stability.
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Source: http://theacousticstage.net/128/use-these-personal-finance-tips-to-get-ahead/
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