Credit cards. Are they good? Are they bad? In all honesty, I think they do more harm than good for a large chunk of the population. That said, I do see the benefits of having a credit card (we have several) provided you follow some basic rules. A big reason for this is not having […]

Legacy Financial Firm on Instagram: "There are 2 Important dates when paying Credit Card Payments. ✅Statement Date ✅Payment Due Date. Whatever the balance on the statement date is what will report to the Bureaus. Make sure you make your payment 3 to 4 days prior so it reports a low utilization of you are over that 30% Limit. #creditrepairservices #creditrepair #creditcard #credittips #creditscore #business"

Always use a credit card for purchases made over the phone.

What to do if you are barely scraping by: Things are tough right now. The prices of everything seem ridiculously high (I mean, I can’t even make it out of the grocery store for less than $275 these days 🙄 ) Credit card debt is soaring for so many individuals and families. And incomes, well, they just aren’t keeping up. So, how can you improve your financial situation if you are barely scraping by? 1️⃣ Consider relocating to a cheaper area Moving has its own expenses, so you will need t...

With budget planning tips and tricks, our dream is to help other families get out from under the burden of debt, save, and invest for their future! That dream begins with you.

When it comes to improving your credit score, a debt expert says there aren't any quick fixes. Here's what she recommends you do instead.

I created 3 rules for credit card use that have ensured that we have used our credit cards responsibly. All while using the tool to our advantage in a big way. Since we created these rules we haven't paid a dime of interest, never blow our budget with a credit card, and have gotten many thousands of dollars worth of rewards...