July's Financial Tip: How is your credit?

Monday, July 06, 2009

July's Financial Tip: How is your credit?

by Lisa Rogers Cherry

You should review your credit report at least twice a year to be sure that it's accurate and to check for identity fraud. Go to www.annualcreditreport.com for one free report per year.

Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt: A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95). If you have a question or would like more information about the book go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P.O. Box 1196, Dania Beach, FL 33004.

Posted by Vanessa Woodard Byers on Monday, July 06, 2009 at 07:44 AM in Business & Finance, Did You Know?, Money Matters | Permalink

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December 2009

Cool Quote

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"I was drawn to the power of the African American religious tradition to spur social change. Out of necessity, the black church had to minister to the whole person. Out of necessity, the black church rarely had the luxury of separating individual salvation from collective salvation. It had to serve as the center of the community's political, economic, and social as well as spiritual life; it understood in an intimate way the biblical call to feed the hungry and clothe the naked and challenge powers and principalities. In the history of these struggles, I was able to see faith as more than just a comfort to the weary or a hedge against death; rather, it was an active, palpable agent in the world." ~ Barack Obama

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Financial Tip of the Month

Lisa Rogers-Cherry

1. Make a list for who and what you're buying and set a budget for each.

2. Be sure to take the advertisement to the store with you for the items that you want to purchase.

3. Pay close attention to your purse and/or wallet. Pickpockets are extra busy during this season.

4. Keep all of your receipts in an envelope and ask for gift receipts when making purchases for others.

5. Give gifts that you can make.

6. If you have to mail gifts, don't wait to the last minute. Send them early, if possible.

7. Avoid the crowds and shop online. Be sure to google online promotion codes and coupons for the stores that you are purchasing from.

8. Use cash only to make purchases. Do not use your credit cards!

9. Steer clear of buying extended warranties. Usually the manufacturers warranty covers the first year anyway.

10. If you have a large family, pull names and purchase one gift instead of purchasing for each family member.

Lisa Rogers-Cherry is the author of Lifting the Burdens of Debt: A Helpful Guide to Getting Your Debts Paid and Your Life Back on Track (2005; $14.95). Lisa writes monthly financial tips for www.bloggingblackmiami.com and can be heard on www.wmbm.com on the Let's Talk Money Show. If you have a question or for more information go to www.redpenpress.com, e-mail her at Lisa@redpenpress.com, or write Lisa Rogers-Cherry, Red Pen Press, P. O. Box 1196, Dania Beach, FL 33004.