Credit and 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
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
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?
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 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
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
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 [...]
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 [...]
Do You Need Credit Monitoring? How About a Free One?
Your credit situation can be a big deal. Changes to your credit situation can result in problems with getting approved for a loan, or require you to pay more in interest when you are approved. Some [...]
The Pros and Cons of Credit Union Credit Cards
If you are looking for a credit card with better terms and conditions than the big banks, your local credit union may hold the perfect solution. Credit unions are smaller local financial institutions that have been [...]
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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.
Any references to third party products, rates, or websites are subject to change without notice. I do my best to maintain current information, but due to the rapidly changing environment, some information may have changed since it was published. Please do the appropriate research before participating in any third party offers.
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