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How to Budget and Save Money

"Save more money" is a very normal goal for a New Year’s resolution. But if you aren’t rolling in disposable income, it can be tricky to figure out where to pinch the pennies that will pay off in the long run. Setting a budget – even a loose one – is the easiest way to have a few extra dollars to tuck away each month.

2010 Online E-Commerce Sales Skyrocket during Holiday Season

The decline of credit card use this year was apparent in stores, but U.S. holiday spending statistics show 2010 was the year of the online shopper. ComScore reports during the 49 days of the holiday season (November 1st - December 19th), e-commerce spending on holiday gift items increased to over $28 billion in U.S. sales, which is a 12 percent increase compared to corresponding statistics from 2009. Most notably, online shopping holidays like Cyber Monday, Green Monday and Free Shipping Day each saw spending top $900 million in e-commerce retail - statistics that would have seemed unfathomable in our declining economy a year ago.

Discover More: 0% Interest Plus No Balance Transfer Fee!

Discover More credit card Every now and then a really great offer comes on the market for consumers looking to finally get rid of their high-interest credit card debt. This is one of those offers folks! Why is it so great? Well, one of the easiest ways to pay off nagging credit card debt that you just can't make headway on is to transfer the balance to a no interest credit card and devise your own plan to pay it off during the promotional period.

Best Travel Rewards Credit Card of 2010

 

Travel rewards programs suffered major cutbacks in 2010 as credit issuers faced a slew of new federal regulations, lower profits, and customers who were reigning in credit card spending. As a result, many cardholders, including myself, began ditching their travel rewards cards for those that offered cash back at a fixed percentage. And while I certainly love getting a fat cash rebate check at the end of the year, there's just something extra special about hopping on a flight to the other side of the world for free. It makes vacationing all the better! I miss that, and I'm sure others do too.

5 Credit Card New Year's Resolutions

It's that time of year again: the time to buckle down and - for real, this time - conquer any credit conundrums plaguing your personal finances. No matter the quality of your credit score, there is always room for improvement. Once the new year hits, dedicate yourself to a future of great credit and great financial rewards. Here's how.

Ask Creditnet: How Student Credit Cards Affect Credit Scores

 student credit cards Dear Creditnet: I have nine years of credit-history and while my credit is "good", it's not "excellent". I'm currently interested in applying for a top-notch rewards credit card, but my chances of getting approved seem to be much higher if I apply for the student version of the card. So my question is will a student credit card have the same effect as a regular credit card on my credit score? And what about rebuilding my credit-history? Will a student credit card help improve my credit just as much as any other credit card?

How Credit Cards Protect Purchases

You already know about bonus travel miles and cash back rewards, but some credit card benefits stretch well beyond instant savings on a vacation getaway. Many credit cards include purchasing safeguards that protect against anything from rental car insurance to extended warranties. If you can't find your credit card policy or if you're confused by the jargon, call your bank or credit card provider to ask about the benefits you're entitled to. Taking the time to understand your credit card protection plan might determine when you use credit or cash on your next big purchase.

Dirty Money - Germs & Contaminants on Paper Currency

How many germs and contaminants are on money? A whopping 92% of all dollar bills have traces of cocaine, which bonds to green dye.

3 Things to Never Buy with a Credit Card

In the age of everything from constant Twitter updates to Wikileaks, it seems as if nothing is kept private anymore.  In fact, this lack of privacy is clearly apparent within the world of credit cards.  While most people would like to believe that how they spend their money is their own private information, in reality, big brother (AKA your credit card company) is always watching. That’s right; practically every purchase you make on your credit card is scrutinized by your credit issuer.  This is because credit card companies are constantly searching for patterns in spending histories that might shed some light on their customers' financial stability.

How to Get Rid of Debt and Keep Your Credit Cards

The bad news: you're up to your knuckles in debt. The good news: you can get out of debt. The better news: you don't have to destroy your credit cards! The slightly worse news: you still can't really use them.

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