Credit and Debt

5 Steps to Paying off Credit Cards

5 Steps to Paying off Credit Cards

A few years ago my husband and I paid off our credit cards. Finally. We had dreamed about paying off our credit cards from the day we got married. Unfortunately, we didn’t have a plan at […]

Using Secured Credit Cards to Rebuild Credit after Debt Issues

After suffering from debt issues, you may want to start rebuilding your credit as soon as possible. However, you are likely to find a combination of cold shoulders and vultures – some put you down, and […]

How to Get Free Credit Score from Credit Sesame

How to Get Free Credit Score from Credit Sesame

Thanks to the growing interest in credit, and how it affects finances, a number of consumers are increasingly interested in their scores. Your credit situation can not only impact whether or not you are approved for […]

How to Get Out of Debt

How to Get Out of Debt

BeingFrugal.net began as a personal journal to hold me accountable for my commitment to get out of debt. Getting out of debt is a high priority for my family, and I like to write about it […]

6 Reasons Not to Apply for a Store Credit Card

6 Reasons Not to Apply for a Store Credit Card

We have all experienced the uncomfortable situation of being offered a store credit card when we’re shopping. Whether you are buying groceries, consumer electronics, or some new home decorations, the clerk at the register will stop […]

How to Raise Your Credit Score with a Credit Card

How to Raise Your Credit Score with a Credit Card

You are finally seeing the light at the end of the tunnel. Your last debts have been paid off a few months back and your bank account is steadily growing for a change. You aren’t stressing […]

Debt to Income Ratio: How Much Debt is Too Much?

Debt to Income Ratio: How Much Debt is Too Much?

While there are many different opinions as to how much debt is too much, the two ratios below are the most widely used measures of how much debt is manageable. These ratios are also known as […]

The Right Way to Do a Debt Consolidation

The Right Way to Do a Debt Consolidation

The situation outlined in Why Debt Consolidation Doesn’t Work…Usually is pretty typical, but if you want to do a debt consolidation this doesn’t have to be your reality. You can make it work, but there are a […]

Why Debt Consolidation Doesn’t Work…Usually

Why Debt Consolidation Doesn’t Work…Usually

Want to know a secret about debt consolidation loans? They usually don’t work. There’s a lot of money to be made by promoting and arranging these loans, as well as the enormous hope that surrounds them, […]

Fair Credit Reporting Act: Know Your Rights

Fair Credit Reporting Act: Know Your Rights

Your credit report contains a great deal of information about your financial situation. And, while you might think that the information is restricted to your credit information, credit bureaus have quite a bit of other information […]

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Disclaimer and Legal Mumbo Jumbo

I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.

In accordance with FTC guidelines, I state that I have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways.

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