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Creditcents: Credit and Personal Finance Blog from Creditnet.com

Three Essential Steps To Improve Your Credit


Credit scores. . . To many of us, they seem like arbitrary numbers that can be frustratingly impossible to manipulate. To others, credit scores are quite the opposite; understanding and improving them has become a challenge from which many financial benefits can flow. When I sit down with a client who has been dealing with less-than-wonderful credit, they usually know which financial mishaps and choices got them there. And although time and the responsible use of credit cards for bad credit should help them finally regain control, understanding what makes up a credit score could have kept them out of trouble in the first place.

Save Money with a Summer Staycation

Girl relaxing on her staycationSo you’ve seen the sun, the surf, the sand, and you’re ready for a vacation that doesn’t give you bathing suit anxiety or an empty bank account. You’re not alone.

Conventional vacations can be costly, stressful and leave you feeling like you’ve been through a triathlon rather than tranquility. Many wise travelers have opted for “stay at home vacations”, or staycations, to avoid the expensive hassle and enjoy their immediate environment more than ever before.

How do You Savor a Staycation?

Master the Art of Laying

When’s the last time you curled up under the covers while nibbling on a croissant? You haven’t? I knew it. There’s nothing better than being still and getting cozy.

Sleep in. Eat breakfast in bed. Cultivate calm.

Things You Used to Be Able to Buy With a Penny

I was fortunate to spend more time than usual chatting on the phone with my Dad for Father's Day last month. We should definitely spend more time talking, because he’s a great man that has taught me some of the most important financial lessons in life: budgeting, leveraging 0% interest credit cards and loans, and working with my spouse to find common goals and aspirations. Like most older gentlemen, he has also spent hours upon hours telling me about how things used to be. One of his stories popped in my mind during work today, while I closed a savings account that had one cent of unposted interest. As I made a joke to my client about not spending all that new interest in one place, I remembered my dad telling me of all the things he used to be able to buy with a penny.

The Best Gas Credit Card for Summer Road Trips

TrueEarnings® Card from Costco and American Express There's no doubt you felt some pain at the pump this weekend if you hit the road for a 4th of July getaway. With the national average for a gallon of regular gas hovering around $3.57, even Prius owners can be overheard complaining about gas prices these days. But the big question is where will prices head the remainder of the year? While no one really knows, I think it's safe to say we'll all be better off if we seek ways to limit our gas consumption and prepare for higher prices to stick around permanently. I've had several friends completely ditch their cars this year in exchange for bikes, but I also live in a city that makes this switch fairly easy. Even without a bike, you can get around just fine in Seattle on foot and public transportation. For many though, ditching their cars just isn't a feasible option, so we turn to gas rebate credit cards as an excellent way to at least ease some of the pain at the pump. If you're on the hunt for the best gas credit cards, here's my pick for the one card that truly stands out among the rest:

Monetary Melodies: Top 5 Songs About Money

Money.  It's a concept that has simply captivated humanity since the beginning of its existence.  Some people love it.  Some people hate it.  And some people are simply obsessed with it.  But no matter your opinion on it, it's definitely something that's had a tremendous influence on your life. Maybe that's why people sing about it so often.  Indeed, some of the best songs in music history have been all about money. Here are the top 5 songs that either exto the joys of money and credit cards, or push listeners to transcend the ills of materialism.

Luxury Metal Credit Cards: How to Get One

Credit cards can certainly serve as a status symbol. Why do you think so many Visa commercials feature a James Bond-esque motif? In particular, credit cards made of metal have long been a symbol of wealth and luxury. Now, such cards are extremely limited (many believe there are less than 10,000 in circulation), and they are generally distributed by invitation only.

How To Transfer Your Credit Card Balance

Transferring a balance from one credit card to another isn't rocket science. The real science lies in finding the best credit card offer available so as to take advantage of  low introductory interest rates. In addition, there are a number of other equally important tips to consider prior to executing a credit card balance transfer. Almost all of them deal with finding the right "one." I would liken it to dating before marriage. You would never want to put marriage first and dating second. Chances of failure increase almost exponentially if you fail to do your homework and check out various "offers" before you make a decision. Get my drift?

The Price of Money

What's the real price of money? Check out this infographic to find out!

Solstice Celebrations to Use Your Miles On

Who doesn't love to travel? With unlimited resources, my wife always claims she would travel the world repeatedly. While I'm not that much of a fanatic, I do love to hop on a plane and take a trip to interesting and sometimes exotic places. Certainly, getting away from the daily grind often provides enough respite to aid in the maintenance of mental sanity. That said, there are several solstice celebrations occurring worldwide this coming week which could prove inflicting for the travel bug. And for those with airline rewards credit cards, it'll make it that much easier to cast-off all responsibility for a few days and get outta Dodge.

10 Wealthiest Fictional Characters

There are countless numbers of books, TV shows, and movies that feature extremely wealthy characters who live a life of power and luxury. Their personalities range from greedy and egotistic to good-natured and philanthropic. Each one of them, and the stories they help create, leave some sort of imprint on our minds. Over the past decade, Forbes Magazine produced the “Fictional 15” list. This list names the wealthiest fictional character for that year, along with their estimated earnings. We decided to use some of the information from these lists, do some additional estimations (aka complete guess work and creative license), and compile our very own list of our top 10 wealthiest fictional characters. Enjoy!


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