You have some options, but watch out for high interest rates and ridiculous fees.
A reader recently asked me about credit cards for people with poor credit. With a credit score in the 560 range, this person was having problems getting a more traditional credit card. And to make matters worse, without access to reasonable credit, he found it difficult to improve his credit score at a reasonable cost.
In his particular case, he was looking to use a credit card to start a small business. While there may be better sources of capital for a new business, the question this person raised was a good one -- "How do I get a credit card with bad credit?"
Smart-phone apps and online communities provide free information and support.
If you’ve resolved to lose weight in the New Year, there’s an app for that.
Best of all, some of those apps are free and don’t require an expensive iPhone to use.
When does healthy financial caution become pecuniary paranoia?
Oh, we had a few other foods -- primarily vegetarian minestrone, homemade spaghetti sauce, baked white or sweet potatoes, scrambled eggs and occasionally a chicken leg quarter that I'd buy and roast for my daughter. The meat counter guy used to kid me: "Come on, live it up -- buy two!" I'd laugh along with him, but he would never know how I hoarded change just to be able to buy one.
It's not too late to get a better deal on your party plans.
New Year’s parties thrown at bars and restaurants typically offer food, champagne and a festive group countdown, but those events typically charge guests much more than the sum of their parts. Landing a good deal on a night of revelry doesn’t have to break a New Year’s resolution to save -- even if you’re buying tickets today.
That’s not to say it will be easy. “Ticket prices always go up closer to the event,” says Mario Stewart, the president of EMRG Media, a New York-based event planning and marketing firm. And the truly big parties -- the ones that boast celebrity guests like Lady Gaga and Christina Aguilera -- typically sell out in advance.
However, there’s still hope for nabbing a good deal on lower-profile parties, Stewart says. “If people are savvy, there are deals to be made,” he says.
Here are seven ways to score a deal on your New Year’s Eve festivities:
GM offers several incentives to rid itself of the last of these cars, but which is better for consumers?
Anxious to retire two unwanted brands, a leaner and meaner post-bankruptcy General Motors is offering another major incentive to dealers to sell off all remaining Saturns and Pontiacs.
The Wall Street Journal called it a fire sale: You could get a car for up to 46% off. There were only 5,700 brand-new Saturns and 8,500 Pontiacs left on Dec. 1, and GM wants them to go fast -- off the showroom floor.
But is this a sweeter deal than the $6,500 rebate dealers have been advertising for these cars? Before you decide, consider these factors first:
6 ways to use tools like Twitter and LinkedIn to find a job or boost your career.
The Internet is a boon for doing all kinds of things -- including getting a better job or getting paid more at your current job. Technology helps us stay connected, learn something new, and make new connections quickly and efficiently.
- Bing: Best Twitter tools
Here are six ways to use technology to upgrade your career.
So far, a Georgia undertaker has no takers on the special New Year's Eve offer. Meanwhile, Colorado offers a free app for iPhone drunks.
So, just how cheap are you?
A Georgia funeral home has a deal for party monsters with a frugal streak: a free burial if you drink, drive and die on New Year's Eve.
Between now and noon Thursday, drivers can visit McGuire, Jennings and Miller Funeral Home in Rome, Ga., and sign a contract stating they plan to drink or use drugs and drive on New Year's Eve. If they're killed in a wreck that night, the funeral home will bury them for free.
Many utility companies offer rebates and credits to help pay for programmable thermostats and other upgrades.
Recently, just before a large blizzard hit central Iowa, our furnace went out. I took a look and couldn’t diagnose the problem myself, so we called a repairman. (Ouch.) The guy we called was someone who was recommended by a few friends who told us that we’d be surprised how inexpensive his first visit was.
They weren’t kidding.
The repairman stopped by on Monday morning, took a look at our furnace, and within 10 minutes had figured out the problem. It was our thermostat, which had short-circuited. He offered to replace it with a programmable one, of which he had several on hand. (I’ve mentioned before that programmable thermostats can be a big money saver.)
Ordinarily, I wouldn’t buy one in this fashion, but he happened to have the exact model I was considering buying, and offered to provide and install it for the same price I was going to buy it for.
Here’s the kicker:
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