What Goals you want to Achieve
By · CommentsAre there any goals you want to achieve in your life? If you are reading this post I believe you want to to achieve your goals as effortless as possible. Learn how easy strategies can make your goal into a reality.
The first step is to brainstorm your goals by following the smart formula
The second step is to write your goals on a piece of paper. Make sure you post it, somewhere your can see what you want to accomplish, every single day. It could be on above your bed for that way you can see it, when your first wake up and right before you go to bed, or on the fridge (especially if you are trying to lose weight).
The third step is kind of optional, and that is to tell the world about your goals. This can be positive and negative at the same time. You would want to tell your closest friends about this: somebody who would not be ridicule you if you do not achieve it. Some people say “who can not do that” take this into consideration, especially if they have experience in that area, but it may not work for them, does not mean it would not work for you.
The fourth step and the most important step, is to take action every single day. If you do not take action, it is more of a wish than a goal. I wish I had a million dollars, but if I do nothing every day to move me into that goal, it more of a wish. You want to take massive and small action on your goals, every day. For example: If you are working out you can work out hard 3-4 times a week, and the other days you can go for a walk.
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The Free Credit Report Scam
By · CommentsThe free credit report scam
Every person in America has the right to check their free annual credit report at least once a year, which became law in 2005.
Some companies will give you a free credit report but in the fine print it will say, that you have to pay every month unless you cancel. They will give you a free 30 day trial, then after that, they will deduct money from your credit card. You can cancel, but because most people lives are busy, they forget.
These companies will ask you for your credit card. The one that is put out by the government is Annualcreditreport.com and it is the only official site by the government. A lot of companies website names are to confuse a person, they are close to the one above.
The only catch to the free government site is that it would not contain your credit scores. It is there just to show you, any inaccurate information on your credit reports or if you are a victim of identity theft.
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Getting an Auto Loan with bad credit
By · CommentsGetting a cheaper auto loan even with bad credit.
A person with bad credit score, would probably settle for any loan that comes their way, just like I did. I got tired of getting turned down, so I pretty much settle with the first person that approved me. I ending paying 29 percent interest (way more than a credit card).
The best is of course through family and friends. Usually they do not require a credit check, but this could put a serious strain on your friendship with them.
The other way is of course is through your bank, but with the credit crunch banks are more hesitant of giving credit to people with bad credit.
A third option is of course is through the internet. You can find some great deals through the internet, if you look hard enough. The problem with this option of course is fraud.
The last way is through the dealership itself, but be prepared to pay a higher interest rate.
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How to Improve your Score in 3 easy ways
By · CommentsHow to improve your score in 3 easy ways
The first step is to your free credit report. You want to go through and look for any inaccurate information. You really do not want to pay money for your first one. The government allows you to get a free credit report once a year at https://www.annualcreditreport.com/cra/index.jsp. You should also see the credit report scam.
The second step is to pay off any old account in which you are delinquent. You want to sett up a budget plan that would allow you to pay off your debt. If you have a huge debt compared to your income, it is going to take awhile, but stick with it and any extra money that you get should go to pay off your debt.
The third step is of course do not get any extra debt. My advice is to cut up your cards for the time being until you catch up on your payments. You do not have to cancel your credit cards, but you want to take away the temptation of using your cards. Then when the times comes you can reorder your cards, which probably go for 30-50 dollars just to get a replacement card.
The fourth step is setup a budget. A great budget system is needed please see 4 basic steps to a budget. Without a budget you would never know where your money is going.
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- Finding the right Auto Loan for you
- The Free Credit Report Scam
- Getting an Auto Loan with bad credit