Ramble Writing of R.D. Hayes

Banks and lenders use your credit score to calculate what interest rate they can give you. Your credit score affects your interest rate and your interest rate can impact your total cost of a loan. In order to secure the lowest interest rate you qualify for you should first check your credit score and then compare APRs (annual percentage rate) lenders advertise to find the lowest one available to you. When you apply for a loan always choose a lender and look at their interest rate, the amount you’re borrowing and how long it will take you to pay it off. When looking at the APR, always remember that it is the annual percentage rate you will be charged in addition to the amount you borrowed for the duration of the loan all lenders are required to show you the APR before you take out a loan, so you can compare different loan offers, and the APR is affected by your credit score. A higher credit score means that you will have a lower APR and, a lower credit score means a higher APR in which ...

A person’s credit report is like a map of how they have been living their life, if they are worthy enough to be trusted by credit lenders, and how they have been living their lives with the credit that they already have. What is Your Credit Report                 Your credit report is a detailed record of your entire credit history. It contains your credit card history, loan history, places of employment, places in which you have lived, names that you have used, lenders that have denied you credit, and payment history. Your credit report is very important and can help you get a good APR, take out loans, or even make your monthly payment lower if your credit score is higher. Always remember that your credit report is very important and you should take advantage of the free yearly report that can be obtained online at anualcreditreport.com, which is the only website that is authorized by federal law that entitles y...

  If you haven’t already noticed, Christmas is around the corner. With this being said, we all know that this means that we are going to be dishing out a lot of money. I came up with a really cool little idea that would make my kids smile and keep my wallet happy. If you haven’t already signed up for  Listia  you might want to look into it. Listia  is a website that allows you to get free stuff and give your free stuff away. You have to bid on items with points instead of money. How do you get points? Glad you asked. You get points by either getting rid of your stuff, buying them, inviting friends to join, or by a hundred other ways that are listed on their website such as viewing offers. So what’s my plan and how is this going to help you? Well, with my children I have noticed that each one of them has a favorite item that they collect such as Hot Wheels, Littlest Pet Shop, Pokemon, and CD’s to name a few. So, I have decided to fill a box up with those ite...

 So along with saving money to help cut out the debt, I am also into finding ways around the house to make things cheaper for us. For instance, I would absolutely love to be able to give my house a make over and darn it, I am going to do it with a low budget but for now, I will continue to save as much as possible to lower the debt that I am in and I was determined to make my own  Homemade Dishwasher Detergent  and by golly I finally did it. It was super easy and it cost me pennies to make. Actually I spent about $15 or so dollars at Walmart to buy the ingredients and you can use the same ingredients to make other homemade cleaning supplies which I need to do a tutorial on those as well for my other  blog . I have so much fun trying to be cheap….is that wrong of me?

Most of us have been trying to find every way possible to find the cheapest almost free route into everything that we do. It is not because we are cheap but because we have financial goals and without taking some precautions to meet them, we may never have what we truly want.  Coupons are there for us to use. The grocery stores put coupons in newspapers and magazines so that people can use them for their benefit. If you were to use coupons when you go grocery shopping, you could be saving a lot of money on your grocery bill.  Most major cities will have a Sunday paper that will have a lot of sales and coupons in them. I will usually start my Sunday off by purchasing a Sunday paper and then writing down my grocery list. You will be surprised at all of the deals that you can get by shopping around. I shop within a ten mile radius so that I am not spending a lot of gas or time shopping. I find all of the coupons or in store deals that they may have and see if they are having sale...

If you are anything like I was, your cell phone bill is outrageous and you have been looking for ways to save as much money as you possibly can. I use my cell phone for business and personal use, so I am practically on it all day.  How to Save on Your Cell Phone Bill I discovered ways to make my cell phone bill cheaper so that I wouldn't be scared to look at my bill every time it came in the mail. I made a few changes to my plan and the way that I use my cell phone, I lowered my bill drastically and you can t How to Save on Your Cell Phone Bill oo.  Try taking advantage of those free calls that you can get after a certain hour. I use this method a lot. I signed up for a plan that would allow me to get free calls after seven p.m. I know hold off on all of my long calls until after seven. This has saved me a lot of money.  I got most of my friends and co-workers to sign up for the same plan. If you get free mobile to mobile calls and you can persuade your co-workers to get ...

  Putting yourself on a budget can be hard and sticking to one can be even harder. Most families that fall into the Category of people who are in debt, never had a budget to follow. If you are one of these people or are just wanting a way to stay out of debt, then you should consider planning out a budget for your money and sticking to it.   We all know that sticking to a budget can seem like a task but if you do decide to do it, you will see the benefits in very little time.  When planning out a budget, you should calculate all of your total income after taxes. This should include all money from your spouse and you, and money that you may get from  child support  or any other source. Once you get this total added up, you are ready to move on to the next part of budgeting.  The next part to budgeting is to take all of your expenses and add them up. These expenses should include all bills that you pay and expenses that you use to pay for luxury items.  ...