Posts belonging to Category Common Cents Money & Credit

Saving Money on Meat

Memorial Day in the United States has traditionally been the unofficial kickoff of summer. Many celebrate this holiday by firing up the grill and having friends or family over for a cookout. If you’re planning your holiday BBQ menu you might be dismayed to hear that in the US the price of beef has hit […]

Tips to Save on Groceries

Check out these tips from Kaija Helmetag and Yelena Moroz on how to cut down on your grocery bills. Your friends here at Ziggy’s have added a few bonus tips too. Fresh Produce Visit ethnic grocery stores to score items like avocados, mangoes, limes, and red onions for less than what you would pay elsewhere, […]

21 Credit Card Fraud Prevention Tips

Today we share 21 tips for credit card fraud prevention courtesy of Internet Scambusters, plus information about what to do if your card is lost or stolen. Keep an eye on your credit card every time you use it, and make sure you get it back as quickly as possible. Try not to let your […]

Identity Theft, Part 3: What to Do if Your Identity is Stolen

Identity theft is a serious crime where someone steals your personal information and uses it without your permission. It can wreak havoc with your finances, credit history, and good name. As we’ve discussed in the previous two weeks an ounce of prevention is definitely worth a pound of cure when it comes to identity theft, […]

Identity Theft, Part 2: Prevention Methods

Last week we learned about identity theft and some of the ways criminals can steal your identity. This week we share some tips how you can make yourself a harder target and help protect yourself from becoming a victim. Come back next week for part 3 of this series when we’ll share the steps you […]

Identity Theft, Part 1: What Is it? How Do Crooks Do It?

Simply put, identity theft is the fraudulent acquisition and use of a person’s private identifying information such as a Social Security Number, usually for financial gain. It has been a federal crime since 1998 and affects millions of people of all ages (yes, even children) every year. Credit card fraud is the most common type […]

Seven Tips to Getting a Better Credit Score

Proving you’re worthy of a low loan rate or a new credit card isn’t easy in today’s lending world. Two years ago, a 620 on the 300-to-850 scale could have snagged a reasonable mortgage rate. Now you need at least 760 to get today’s best rate of 5.6 percent or so. Here’s how to improve […]

Building Credit for the First Time

We’ve had a few customers lately who have taken advantage of the First Time Borrower program offered by one of the credit unions, so this week we thought it would be appropriate to share a Q&A from Steve Bucci, president of Money Management International Financial Education Foundation and the author of Credit Repair Kit for […]

Disputing Credit Report Errors

Here is information from the Federal Trade Commission (FTC) about how to get a free copy of your credit report and what to do if you find errors. As we’ve already discussed in previous blogs, your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or […]

More Ways to Get Free (or Low-Cost) Tax Help

Thanks to Yahoo! Finance, this week we offer you additional tips for getting free or low-cost help with your taxes. 1. Free or Inexpensive Legal Clinics Have you seen a bunch of commercials lately that are about settling past tax debt for a fraction of what you owe, yet you still can’t afford the fees? […]