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Credit cards can be the chainsaw of personal finance unless you use them correctly. Here are some essential behaviors to master.

By Karen Datko Aug 30, 2010 10:02AM

This post comes from J.D. Roth at partner blog Get Rich Slowly.

 

Recently, we had a great discussion about the socioeconomic implications of credit card rewards programs (or lack of implications, depending on your viewpoint). The conversation wasn't nearly as tedious as my description makes it sound.

In response to that article, Califia e-mailed:

(Could you provide) a quick elaboration of this statement from your recent post: "I've gone from anti-credit card to pro-credit card -- but only for those who can use them responsibly." How do you define "responsibly"? Why did you change from anti to pro?

I think I've written plenty about the whys behind my switch from anti-credit card to pro-credit card. But it occurred to me that I've never really elaborated on the hows.

 

A pet project can fetch extra cash, or even lead you to a new career.

By Stacy Johnson Aug 27, 2010 1:05PM

This post comes from Stacy Johnson at partner site Money Talks News.

 

Of all the luxuries and necessities we're willing to sacrifice when times get tough, our beloved pets are rarely among them.

 

Gap coupons benefit charities, plus a chance to trade in old baby items for a discount on new ones.

By Teresa Mears Aug 27, 2010 12:33PM

These days, every business wants to be your friend -- at least on Facebook.

 

And if it takes coupons to win your friendship, that's what they'll do.

 

One of the latest businesses to reward its Facebook friends is Regal Cinemas, which is providing weekly coupons for free or discounted items from the concession stands. This is good, since the chain won't let you bring your own snacks. This week's deal is for free popcorn. If you "like" Regal Cinemas on Facebook, you can get a coupon for a free small popcorn, good Aug. 27-29.

 

This weekend is the Gap's annual Give & Get promotion, which benefits both customers and charities. If you print out one of the Give & Get coupons, you can get 30% off your purchases at Gap, Old Navy, Banana Republic, Gap Outlet and Banana Republic Factory Stores. The charity listed on the coupon will get 5% of the amount you spend.

 

And why I hate them even more now.

By Karen Datko Aug 27, 2010 11:33AM

This guest post comes from Len Penzo at Len Penzo dot Com.

 

I recently bought tickets to see Maroon 5 at one of their upcoming shows in Los Angeles this October. Let me tell you, I love Maroon 5 almost as much as I love my dog -- which puts them pretty far up my totem pole of most-cherished entities.

 

Of course, like most mere mortals in Los Angeles without a connection to Ryan Seacrest or some other music industry insider, I reluctantly bought my tickets online through Ticketmaster.

 

Anyway, a few days ago I got my tickets in the mail and was immediately reminded of why I hate them so much.

 

Or why not take both? Massages, facials, Pilates and even prenatal yoga will be discounted next month.

By Donna_Freedman Aug 27, 2010 10:08AM
Just because the bathing-suit season is almost over doesn't mean you can go back to overeating and under-exercising. And hey, all you sun worshippers: How's your hair and skin after a couple of months under the broiler?

Here's help: Hundreds of spas, day spas, and yoga and Pilates studios across the country are offering deep discounts during "Wellness Week," which takes place Sept. 20-26.

That's still a month off. So why worry about it in August?  

Signing up for credit-monitoring and then canceling is only one way to get your score for free.

By Karen Datko Aug 27, 2010 9:40AM

This post comes from partner blog The Dough Roller.

 

Over the years, readers have asked me how to get their credit score without a credit card. What they want to avoid is signing up for a free trial of a credit-monitoring service to get their score and then having to cancel the service to avoid being charged. And in some cases, folks don't have credit cards to begin with.

 

There are several ways to get your free credit score without a credit card.

 

The new state high-risk plans are just a stopgap. But they might provide the insurance coverage you need until health care reform fully kicks in.

By Karen Datko Aug 26, 2010 6:42PM

As required by health care reform, states are rolling out temporary high-risk plans for those who've been denied health insurance because of their medical history. We had thought the spots would go fast with so many millions in need, but a recent news story said only 3,600 people nationwide had applied for the coverage.

 

If insurance companies have turned you down because of a pre-existing condition, you still have time to get in on this deal -- a stopgap until 2014, when federal law will forbid health insurance companies from denying coverage.

 

Here's what you need to know:

 

As apartment vacancies drop, more landlords balk at granting concessions.

By Karen Datko Aug 26, 2010 4:24PM

This Deal of the Day comes from Kelli B. Grant at partner site SmartMoney.

 

The clock is ticking for consumers looking to negotiate a more favorable rent on a home or apartment. Not only are landlords less willing to offer some of the price breaks common last year, but in many markets they are actually raising rents.

"The recovery of and increase in (rental) demand happened a lot sooner and was more dramatic than we expected," says Hessam Nadji, managing director for research and advisory services at Marcus & Millichap, a real estate investment services firm.

 

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