Free savings calculator and tips for saving money by cutting expenses.
Free savings calculator to estimate interest earned.
Are you saving money? Read our tips on ways to save money and use our free money savings calculator.
FREE Money
Management Software
* Log and Itemize Expenses by Category
* Track Bill Payments and History
* Easy to use, like an Electronic Checkbook Register Certified
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Our
savings calculator shows how much interest you can earn over time
How to use our savings calculator: In the first box, enter the amount of money you expect to deposit into a savings account each month. In the years/months box, input the number of years (or months) in the first block, then select whether it is "Months" or "Years" you expect to continue depositing money into the savings account. In the interest rate box, type in the percentage rate your bank pays. Finally, click the "Calculate Savings" button to see the amount you'll earn.
FREE
Money Management Software!
* Log and Itemize Expenses by Category
* Track Bill Payments and History
* Easy to use, like an Electronic Checkbook Register Certified
to have No Viruses, No AdWare, No SpyWare
Drop the daily newspaper. Use Sunday editions for coupons.
Drop cable movie channels, or drop cable bills completely.
Don't shop blindly. Watch sales and clip coupons. See if you can get friends to buy high commodity items in bulk with you.
Reduce electric bills: Replace lamp bulbs with lower wattages, hang clothes outside to dry instead of running the dryer, hand washed dishes, and use a microwave oven as often as possible. Cut back on your heating by wearing sweaters or thick robes around the house. Reduce cooling costs by wearing light clothing and using fans. Turn off all appliances when not in use, or use timers. These are especially handy if you come home after dark and want your porch light on without having to leave it on during daylight.
Think before you drive. Make sure you optimize the journey by taking care of any other necessary stops along the way to save trips.
Pack your lunch. Try a thermos of soup and a sandwich.
Wash full loads of clothes, using minimum hot water.
Dump unnecessary telecommunications. Do you need a cell phone, pager, and extra features / charges on your home phone bills?
Track
all of your expenditures. Download our free
expense tracking software so you can account for every cent you spend.
You can itemize expenses to see where you waste money most.
Choose the credit
card best for you. Don't apply for every preapproved credit card offer you
get in the mail. If you have bad credit, why waste unnecessary inquiries
into your credit report just to get rejected? If you qualify for rewards
credit cards or low interest cards, choose the one which will give you the
most benefit and biggest savings.
Make
purchases on seasonal items during the off-season, such as right after a
holiday. For example, you can purchase holiday decorations at a fraction of
the cost in the days after the holiday.
You
don't always have to pay the sticker price. If you're a good customer, or
have proof that the same product is being sold for less by a competitor, ask
for a discount to beat the price.
Buy
used especially for short-term purchases. If you need an item for a short
time, buying used can save you money, plus it offers you a better resell
return.
Don't
carry a balance. To keep curb spending temptation and to save interest fees,
pay with cash.
Examine
bank and credit card statements. Accidents do happen, and so does fraud.
Make sure every credit card charge and bank withdrawal was done with your
permission. If you find fraudulent charges, challenge them and have the
charges reversed.
Deposit money each month into a savings account. Use our free savings calculator above to calculate how much money you could save and earn in interest with a savings
account.
Need more information? Read our financial and credit articles related to calculator, and join our online financial newsletter.
Personal
Credit
Leaving
personal credit reports unchecked is taking a risk. Credit reports can have
mistakes that could be causing poor scores. Consumers expect their reports to be
accurate, but many times they contain information that is incorrect. It could be
as simple as showing mistakes like bills, that have not been paid or negative
comments that are not true.
It
is important to know what lenders, banks, and insurance companies see when they
view your credit reports.
Companies who screen job applicants may request them, and they may decide not to
hire applicants, with negative information on their reports. Institutions
issuing credit cards and loans, and insurance agencies will view reports, and interest rates or
insurance premiums are usually determined on the basis of credit rating.
Credit files
contain personal information from a variety of sources, and those who extended credit
provide information on reports to the three major agencies. Keeping up with
credit is easier due to computerized reports. It is easy for companies to do credit checks
due to technology.
It
is important to understand reports, especially if scores need rebuilding.
Recognizing weak areas like paying bills late, missing payments, or using too
much available credit can all have a negative effect on ratings. Being denied a
loan or credit card is one indication that scores may be damaged, and getting
credit may be hard.
Mortgage lenders
are usually interested in how well their applicants repay loans, they like to
make sure before approving an applicant, that they will get paid. Anyone
thinking of buying a home should review all reports from the three major
agencies. Even if there are some problem areas, errors or personal mistakes can
be corrected so scores can be rebuilt over time.
Anytime
there is a problem paying debts, contact the lender and try to work out a revised payment
schedule. Do not risk further problems from not making payments. This causes a
problem when it is documented on reports and becomes part of the credit history.
There
are some companies who may say they can wipe negative information off reports,
but that will never happen if the information that was reported was true. Only
incorrect information or errors that does not belong to the person can be
removed. Any true information stays for a specific time. Reporting agencies make
credit history available to those who have an interest in your credit worthiness.
Reports
indicate payment history, amount of debt owed, the types of credit used,
employment, and it helps companies decide if you are a credit risk. They can
also include things like credit
card accounts, loans,
and bankruptcy filings. It is important to check them to make sure they do not
list a stranger's information by mistake. It always helps to be informed about your current credit status.
Nov 23 personal credit updates government grants below;
Government
Money
The
government is not just handing out money without a good reason, and when they
do, it is usually in the form of providing services. For example, the American Recovery and Reinvestment Act
is involved in education. It helps to provide a better education for all children
which is important for America’s economic future. It gives children an education
so they can be successful in a global economy, and this involves early
education. The government may give money, but it is not by just freely giving it
to individuals, it may be in the form of grants.
Examples
of ways the government provides money:
*
For early learning programs like Head Start and programs for special needs children.
*
For elementary and secondary education.
*
To help stabilize state education budgets.
*
To improvement teacher effectiveness.
*
To improve achievement in low-performing schools.
*
To collect information to improve student learning, and teacher performance.
*
To improve access to higher education.
*
To invest in new ways to help teachers improve student outcomes.
*
To invest in a national effort to prepare and reward outstanding teachers.
*
To restructure college financial aid.
*
To invest in community colleges for high-demand skills and education.
Just
like the government may provide money toward education programs, it also
provides money for other programs. Review the government's official website for
more information. When there is not a grant option or program to qualify for, a
payday loan may be one
choice to get money.
nov 30 personal credit below;
Personal
Credit
Information
that is not related to credit does not appear on personal credit reports, for
example race, religion, and medical history. When reviewing credit information,
if there is something that is not right, call the credit agency, write a letter,
or dispute the information online. Even if some information is not quite
complete, work on correcting it and getting it current.
Review
all account numbers and the information for every account to make sure all the
details are right. When information is disputed, it can take up 45 days for
any disputed data on an annual free credit report. Do not make the mistake of
just saying something is not correct, be detailed about exactly what the problem
is and the information that is wrong.
Paying
big money to fix a credit report is not a fast answer, only hard work, and some
time can help get credit back on track. There are many good methods and tips
that can help get those personal credit
reports on the road to recovery. Sometimes the negative information that
belongs to a stranger is what may be keeping scores low. In this case, getting a
stranger's data off the report can be a step in the right direction even though
it can require some time.
When
information on a report has been proved to be inaccurate, it can be changed or deleted.
There are laws that mandate the amount of time that certain credit information
can stay on a report. Many people have repaired their credit just by having a personal
budget and paying down debts. When a self made plan is not working, credit counseling
that offers budgeting and credit repair training may be a good choice. Some
services do charge a fee, be sure to review their terms.
Reports
can have information from creditors, public records, collections, bankruptcies
and judgments and liens. Some information can stay on reports for seven to ten
years. The great thing about good information, is that it can stay on reports indefinitely.
Consumers can get one free credit file from each of the national credit reporting companies every 12 months.
For someone who has received notice within the past 60 days, that they were
rejected for a loan
or other credit, employment, or housing, they can order a free report online.
Review Disclaimer:
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Opening a checking account with bad credit does not mean you will have difficulty getting approved if you failed to pay an emergency room bill or have been late with your credit card payments. Your credit bureau history is seldom checked. Banks rely on agencies that report on banking history instead. The two largest such agencies are ChexSystems and TeleCheck. If your last checking account was fraught with overdrafts or if the bank chose to close the account, you can assume that it was reported to one or both of these services. When you apply for a new account, the bank will obtain the report; while each bank has its own policy regarding approval, few will open a new checking account if there is a consistent history of problems. However, some banks offer what they call second chance banking, and if your report shows only one bad account, they will often approve opening a checking account.
Types of Bad Credit Checking Accounts
Most prepaid credit cards are actually checking accounts without the checks. You can have your payroll checks or government payments deposited into your account each pay day. You can also have your tax refunds applied with direct deposit, and most will allow you to deposit funds you have withdrawn from your Paypal account. To access your funds, you receive a debit card you can use to withdraw cash from an ATM or make purchases at the store. Fees are usually quite low for these accounts, and it is extremely rare for anyone to be denied.
Some bad credit checking accounts are more lenient in that they allow you to actually write checks as well as have a debit card. These can be a little more difficult to find, but they are definitely an option. Many will even provide your personalized checks at no cost to you.
Business bad checking accounts are available as well as personal ones. Not every institution offers every type of account, and you will have to evaluate the features and your needs. It may be preferable to have both accounts with the same firm, but you may also find that in some cases you will do better to use two different institutions.
Square One Group LLC
14525 SW Millikan #74786
Beaverton, Oregon 97005-2343
(203) 616-3442
Personal Finance Help:
Free, short term immediate help and long term planning tips to improve personal
finances. Learn how an annuity and insurance can help.
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finance resources.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Anticipating a tax refund? Before you request a mailed check, you should be aware that direct deposit is much safer. If you're due a tax refund from the Internal Revenue Service, you have two choices for receiving your money: by paper check in the mail or by direct deposit into an account at a financial institution. But if you want to receive your IRS refund in the safest and fastest way possible, the U.S. Treasury Department says there is one clear choice, and that's direct deposit. Why? The Treasury says direct deposit recipients are 26 times less likely to have a problem than people who receive paper checks, which can be lost, misplaced or stolen out of mailboxes. A direct deposit refund also arrives faster, especially if you send your return to the IRS electronically using an "e-filing" service offered by computer software programs, professional tax preparers and even some financial institutions. As evidence of the growing popularity of the Treasury's electronic payment program, 29 percent of the most recent tax refunds were sent by direct deposit compared to just eight percent five years ago. For more information about direct deposit and e-filing, go to www.fms.treas.gov/eft and click on "Direct Deposit of Tax Refunds"
