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debt Budget Savvy Credit Cards Money Management 

10 steps to reducing credit card debt in 2016

Wow. The year 2015 may have been the year of the sheep – gentle and calm – but it was a fast one! But the last part of the year was definitely more focused, and I laid in a course for a better money blueprint. I worked to reduce my credit card debt and bring in more money to save for investments. This past week, I paid off credit card number 2! Yeehaw! An insurance check from an accident arrived, and it was deposited in the bank. But after careful…

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cash crone, wisdom plus willpower equal wealth, Credit Cards Money Management 

Stop swiping – and start saving!

Let’s talk about credit card debt. Although I will focus on older Americans – because I am one – the information is important to everyone. That little plastic card can solve problems, or make them. It can create remedies, or it can cause financial illness. Card-carrying Boomers The older generation was trained to keep quiet about money problems. It was a personal problem, kept within families. Money – or the lack of it – was treated like a clackity old skeleton in the closet.  As a result, many of us thought we…

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wealth, wisdom, willpower, cash crone, debt, credit cards Credit Cards Money Management 

5 great benefits of having a credit card.

  I have shared my journey with credit card debt – and my debt is very small compared to the amounts that others share on financial blogs. My natural inclination is to be frugal with my money. But I became oblivious and allowed my money to manage me for a little while. Thankfully, I have become a stronger wealth manifestor as a result! Although credit cards can run amok if you don’t watch them (don’t you love the word amok?), they have a lot of good going for them: They are convenient. You don’t…

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credit card Credit Cards Money Management 

Paper money or plastic credit card?

I got real with myself, and looked at my credit card balance and my budget. After  I got over my shock and realized I was in the red, I set to work creating some solutions. I am not a big spender. In fact, some of the most common ways of cutting expenses wouldn’t work in my case. I had already put them in place years before. I don’t have cable (I watch Netflix and have an antenna for the local channels). I’m careful about my electrical use, use a drop-off…

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