Category Archives : spending money


The Twelve Ways of Gift Cards

I love gift cards! I can use them to get what I want. I can save them until I really need something. I can treat them like “mad money.” But, as a both a purchaser and a user, I also have to be careful with them. Here are twelve reasons why: 1.  Make sure that […]


Have You Requested Your Free Credit Report?

The Fair and Accurate Credit Transactions Act (FACT Act) of 2003 allows everyone to receive one free credit report from each of the three main credit-reporting agencies once a year. How to Get Your Report Equifax, Experian and TransUnion, the three main credit-reporting agencies, created a central source, AnnualCreditReport.com, where consumers can go to request […]


Where does the money go? Car dealer “Advantage Plan”

This morning I took my car to the dealer for its routine 5000 mile maintenance (oil change, tire rotation, and “quality vehicle inspection”).  I had just sat down when I saw the service rep came toward me, not with bad news about a major car problem, but to