Importance Of Credit Monitoring

With all of the technology at our fingertips, it’s easy to forget our manners concerning love and the heart. Often times, I blush and get embarrassed for my girlfriends when they tell me their latest problems and I am horrified when my male friends tell me what happened to them!

The real question with secured cards is “how much do you want to loose”? One year two years, three years, or forever. Remember, you will pay a yearly fee for that card. If your are paying $59.00 a year, that will cost you around $295.00 for five years.

Use only open questions, never ask closed (yes/no) ones. “Are you completely satisfied with your current courier?” invites the answer “yes, thank you”.

The good news about our credit reporting system is that time marches on and you can start improving your credit score immediately. Most experts in the financial industry agree that the last 18 months is the most important. Try and negotiate any negative items that are true (bring payments up to date, settle old claims, work out new payment plans, whatever). Most creditors will be more than willing to work with you if you make an honest effort in resolving the negative issue. But make sure the creditor agrees to update your credit record.

I needed more computer skills, more people skills, I needed to start thinking and talking in the language of finance and money. I went through a personal finance paradigm shift. Before this new freethinking period started for me, debt was good, and was a way to get something now, because I had the idea that I deserved “it”, whatever “it” was. Now, post shift thinking tells me, debt is merely a tool in my arsenal, to be used wisely, and not squandered.

Maintenance issues are absolutely not included in your mortgage when you get it. You are always going to have utility bills where ever you live. These can easily add up to hundreds of dollars a month. Now you have to think about lawnmowers, landscaping and regular maintenance. Some small things may be able to wait but many need immediate attention.

But there were more challenges ahead. As the stock market started fluctuating again, the realty sector experienced the first wrinkles in its smooth sands so far. At the same time, it is a fact that the property bang has been taking everything in its stride and moving ahead even now.

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