Under pressure

It is not about Freddie Mercury's song, it is about that my finances are terribly low. I hear a lot of information about the banks going bankrupt, but my bank seems to be flourishing. My variable rate has gone up, so now I'm seriously thinking about moving my balances onto a new card.
I'm searching for balance transfer and have looked through a lot of websites including this http://creditbreak.com/Low-APR-Balance-Transfer.php. However, none of the deals seems to be really beneficial or money saving. At least, I'm going to get a fixed rate plastic.

Financial matters

All the regular readers of my blog (if there are any)know very well that I'm very concerned about money and credit matters. First of all, I decided to learn wise credit management and the secrets of saving money. So, I read a number of financial blogs and web-sites to widen my horizon in this topic.
I should say that among many web-sites that I'm used to visiting is www.credit room. t is interesting that this site is for women and they say they help women to know more about credit cards and finance. Actually,I like the design and it makes me visit this site quite often.

After vacation, finances are harder to manage...

I'm back from my vacation and I'm full of energy for work and writing here! Sea is really fabulous and I still feel like hearing the roaring of the sea.
As I returned home, I learnt that my cousin has got the new job of financial advisor. I was really shocked as I have always known her as a big spender! Haha a financial advisor who never saves her money!!! She is told to advise on getting credit cards and rebuilding credit after going through Chapter 7 or 13 of Bankruptcy Law might be quite an easy job, if you know what type of a credit card is best for your situation and is more likely to be approved. That's awsome, indeed...
I'm pretty sure I will never turn to her assistance - I'd better get used to read Dave Ramsey's blog!

Thinking about finances this summer

It is the middle of the summer and I guess I have to get ready for a holiday! Have you already taken one? Me not...
So, the point of my thoughts now is where I should get some money for the forthcoming two weeks at the sea. No ideas yet, besides taking a credit card. This was suggested by my mom and I still can't find anything better than following her advice. Saving money doesn't help, as I can't save much due to regular expenses on numerous necessities... So I don't know whether I should take additional job or simply apply for credit card to finance my vacation. The latter seems absurd, as well as the former, though. Why can't one simply go and have fun, without paying loads of money for it? I'm ready to pay for anything but seven days of rest, because I'll have to work twice harder just to afford it.

As far as I remember, I haven't mentioned in this blog that I'm fond of advertising and marketing tricks: I like to check out new interesting ads, I collect vintage ads and I'm interested to read about new advertising campaigns.
So, I recently came across a website offering credit cards for woman! It is called CreditRoom.com and at the first sight you see that they sell something for women, haha.
What seemed even more funny to me is the statement that their site was made by women and for women. I remembered O.b. ads and some ads of panties or a related stuff and find their approach amusing. But there is one but... What if o.b. will get angry and destroy that little cute site?

Just a thought about finances

Everybody knows already that recession is in full swing. We were afraid we wn't be able to afford many things including Las Vegas and credit cards... to the total surprise, the latest surveys showed that the usage of credit cards became increased! What is the reason? People have gone mad?
An easy and sad explanation is drop in consumers' buying ability. People find less opportunities to pay in cash, they have to live in credit. Since prices skyrocketed, there is no other way than living beyond means according to how you used to live. Is it fair? or is it wise? I have no credit card at the moment...

Credit for people with bad credit history

is really not the thing I would like to have now! I remember the time my credit was really really bad and I could only afford having a limit of $300 and a sky high interest rate. My credit is more than average now and I’m in constant search for a new rewarding plastic: I know it is harmful for the score… but I can’t resist the temptation! Quite occasionally I came across a listing of credit cards for people with really bad credit and I was about to cry – they are much cheaper now than some two years ago. Times and prices change so quickly!

Credit Card Shaving: a New Invention of Identity Thieves!!!

Identity theft has become the nightmare of every holder of a credit or a debit card. Even if you are a user of some exclusive credit card deals, you can face this problem. What scares people most of all is the fact that you can fail noticing you have become identity theft victim. Numerous experts from credit card companies and special organizations give their countless tips on how to protect your credit. You can fall victim of credit card fraud, even if your plastics are in your wallet and you haven’t received alerts of stolen credit information, but there are credit card transactions you didn’t make. Experts call this credit card shaving and offer a number of security measures against it.
I hear about this for the first time, so I decided to publish the details of the issue in my blog. Credit card shaving sounds really strange, probably, because this is a new crime in the variety of scams. Scammers, surprisingly, do not try to get your credit card or personal information in any way. They just try out the combination of figures which make a valid credit card number. After that the masters of blade and glue stick cut the digits from the old plastics and put them in the valid succession. After that they are free to use the hand-made credit card for purchases. The police say victims rarely aware of the scam, therefore, the criminals can make multiple purchases with one and the same credit card number.
As you see, identity thieves have become really inventive nowadays. I believe it is necessary to check out the new issues concerning this problem, and I bookmarked Privacy rights site to be always in the know of independent information.

Browsing the Web

I browse the web in the search of some useful personal finance information... I'm jsu very surprised at the fact that most info is NOT FREE! They want you to pay money for knowledge, otherwise you will be provided with heaps of spam! However, I found a number of sources which are worth attention... At one of the sites I enjoyed reading credit card education section with comprehensible information FOR FREE!!! Will keep on watching the updates there...

Some new stuff about finance)))

There was a program on TV about innovations in mass services.. And one of the messages was about taxi drivers being paid and tipped. they said very soon there will be terminals in each cab and we'll be able to use credit card in taxi to pay for the ride. I guess, taxi drivers are not happy to hear that, since people will pay less tips and everything will be under more control..

Alarming News

Oh, I haven't been posting anything for ages!!! Now I'm here again to go on discussing things that make me anxious. The latest report that really made me anxious is the analysis of the recession in the US economy. It is common knowledge now that one of the main reasons for it is unrestricted crediting of cosnumers with bad credit. As a consequence, they couldn't pay back their credit. But, good news for those with positive score: Federal Reserve lowers the interest rates! All the details of the issue can be found in the article Financial Crisis And Credit Cards at one of the reputable financial web-sources.

Do I Need It?

In a constant financial fever, I started to pay less attention to my personal life. Me and Jake have almost parted, and he is about to leave. I won't stop him as I did it before. Besides, he seems to be involved in some relationship with another girl, so I don't need one who can betray me. No wonder, he says he has nothing to do with her, but I saw the messages... Do I need such relationship?
But that isn't the point, I do not want to think about it.
I see I'm drowning in debt, being lazy to cook food at home and use buses to go to work. Internet gives terrifying data which makes me fear the most awful consequences. In the publication about Credit Cards Statistics and the truth, I found some statements that can calm me down for a while, but I guess I won't be one of those who end up in courts and absolutely low credit score. I found an odd job and it will help me pay the basic debt.

One More Accessory For My Lovely Car!

Hi to those who ever reads my blog!
Every day I prepare myself to write a good interesting post, insert some images and individualize the pages, but... No time. I work so much!
Anyway, I do not fail to read interesting pubications in the Net, especially those which can be of most use for my present life full of financial ramblings. My new car is a few months old and needs revising due to the accumulated mileage. It's not that economic as I thought before! The gas is expensive (3,02 per gallon) and I'm find of car washing, by the way))) So, I came to using a web-search on how to reduce car spendings.
An interesting article at a financial web-source come into my view. I heard about cars credit card deals before, but due to some reason I thought they were just cards with car images on them.
Just another way - one can apply for credit card suitable for his or her car brand, and this will allow to get rebates for car accessories, repair or at gas stations!!! happily, Toyota card of this type exists.
My friend told me that was real crap as one should pay a fee for membership and you can get rebates or gifts at certain places only. But... I want this card!
Maybe, I'm fanatic? Nope. I'm just going to boast of the car I own and the card will be a great thing for that!
If you have something to talk me out of this card, feel free to comment!

In A Predicament!!!??

You have probably mentioned that I have a special interest to loans and credit cards and finance planning. Probably, because, it has always been my dream - become frugal for ever ;))
I decided to apply online for a credit card for - errrr - a 100th time. For this I have to know my points in credit history. I'll have to spend money.. again. As I looked through sites with credit cards, I noticed a strange thing. As they picture the scale of credit scores, they say: no credit - 0 points, bad credit - 350-619 points, on each page with lists of credit card offers, on every site. So I can't understand: how can it be so that after no credit with 0 points I suddenly get 350 points and bad credit... Is it a 350 points bonus for the debut in credit use or is it a general mistake? Hmmm...
Maybe, I should ask the experts? Frankly speaking, I feel a bit ashamed for not knowing that)))