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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cashcrone.com, invest, cheese, Manifesting Money Money Management Money Mindsets 

Comb your hair, say cheese, and invest your money.

  Today was picture day for the kids I care for (job number 2).  Oldest Boy was excited; he kept adjusting his new button-down shirt and checking his hair in the mirror. He chatted about poses and hair gel. Youngest Boy…not so much. He whined about wearing the new, hard to button shirt and the scratchy long pants. He slammed the bathroom door and cried, saying he would not be able to play at recess or participate in gym class. We worked through it. I told him I understood his…

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Money Management Money Mindsets 

Running the numbers

So back to the credit card situation. As I said in my previous post,  I moved some money around. I transferred a large balance on one credit card to two cards with smaller limits. Numbers, numbers… I transferred $5000 to a Discover card, offering 4.99% for 21 months, with no balance transfer fee. Another $5000 transferred to a Mastercard, at 0% interest for 12 months, and a $50 transfer fee. But I miscalculated the amount on the original card, and ended up leaving approximately $1400 on the account. I chose…

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