All posts by Michael Delgado
When it comes to credit, who is winning the battle between men and women? The latest credit trends study, released today from global information services company Experian, compares the financial differences between men and women, revealing that, overall, women are better at managing their money and debt.
In the spirit of National Financial Literacy Month, freecreditscore.com created this infographic to share some simple credit tips:
We had a wonderful opportunity to talk with Liz Weston (@lizweston) about saving for retirement, debt, managing credit, and much more.
Check out the full-interview:
I know you went to the FinCon blogger conference last year, how was that?
Liz Weston: Yeah, that was really a great event. There were a lot of opportunities for socializing and networking. It was pretty cool. I met Phil Taylor, who is the organizer, several years earlier. He was a participant in a savings contest that I co-hosted with FNBO bank, and really liked him. I thought it was going to be a small event, and it wasn't at all. They had some great speakers and great information. It was really fun.
It sounds like a great event.
Liz Weston: Yeah, and it's really a chance for a lot of these bloggers who aren't professional journalists to brush up on their skills and meet some of the companies that they might work with. I found a lot of them were reluctant to call P.R. people and make contacts because they weren't sure their calls were going to get returned. It’s nice for them to meet people at the various companies they can reach out to.
At the beginning of this year, I had several thousand dollars in credit card debt and I was ready to pay it off. But I knew that I needed to cut down on my spending in order to have enough money left over to start paying down my credit card balance.
So I did some research and started finding ways to cut expenses. One of the things I realized is that your fixed expenses - the ones that seem to be locked in - like your auto insurance and rent, often have some flexibility after all.
Below are some tips I’ve found for reducing those fixed expenses:
Do you love saving money?
Do you ever use apps or online tools to help you cuts costs and stay on budget?
In our continuing quest to promote financial literacy and help consumers live credit smart, we asked some of our favorite personal finance writers to share a favorite app that helps them stay on budget and save money.
Check out these frugal-living apps:
Do you love saving money?
And are you looking for even more ways to keep more money in the bank?
Experian knows the importance of this in every person's financial health.
So, as part of our overall commitment to financial literacy and in conjunction with our just released annual State of Credit report, we contacted some of our favorite personal finance writers and asked them to share one of their favorite ways to save money.
Check out these frugal-living tips:
A credit report is like a report card that provides lenders insight into how you use credit.
If you're paying debts on time and keeping debts low on credit accounts, you're building a great credit history that will help you earn lower interest rates on loans and will help you in a variety of other ways, too.
There are many myths going around about what hurts or improves your credit scores.
Here is a list of seven popular myths about credit scores and credit reports you should know about:
Theyyyy’re baaack! They once graced American televisions singing witty lyrics about their personal credit woes while waiting tables in pirate costumes, living out of the in-laws’ basement and getting snubbed by women because of their lackluster car. Now, after a two-year hiatus, The Original Band is back by popular demand.
We recently announced the availability of PowerCurve, the new decision management software portfolio, which helps organisations manage and grow their portfolios by improving the way they use information to make customer decisions. PowerCurve builds on more than 30 years of experience that Experian has providing organizations across the globe with expert decisioning tools. It is equipped with some of the most advanced decision analytics capabilities in the market today.