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Which Credit Card Rewards Are Right for You?

Which Credit Card Rewards Are Right for You?

Believe it or not, there isn’t a “one size fits all” credit card rewards program. For every card on the market, it seems like there are a million different ways to earn rewards. With all the options, the research can be overwhelming and you might not know where to start. We’ve come up with a few ways you can choose the right credit card rewards program. Is a rewards card right for you? That’s the first question you need to ask yourself. A rewards card isn’t right for everyone. Here’s a handy checklist to run through to help you decide whether or not a rewards card is a good fit for you: You have a good credit score. Most card issuers are looking for consumers who have a FICO score of at least 670. Of course, a higher credit score will help you get a lower interest rate, but a that mid-600 range will get your foot in the door. FYI, the higher your credit score, the more lucrative rewards programs you’ll have access to. You can pay off your balance every month. Rewards card usually have a higher-than-average interest rate. When you carry your balance over each month, you could end up paying more in interest charges than you earn in rewards. You can maximize the value of your rewards. A rewards card can cost you money if you don’t maximize your reward-earning potential. If you don’t earn enough points, you can actually lose money if your card has an annual fee. Now that you’ve determined you could benefit from a rewards card, let’s talk about choosing the...
Holiday Shopping on a Budget

Holiday Shopping on a Budget

Holiday Shopping on a Budget ‘Tis the season…to avoid going broke buying presents for your loved ones. It’s easy to do, right? Sometimes we get carried away and spend more money than we intended to. You don’t want to look like a cheap gift-giver, but you also don’t want to buy the whole store. So, how do you buy awesome gifts for everyone without breaking the bank? We have a few tips for you to keep your trees and your wallets full. Make a List, Check It Twice Hey, the process works for Santa so it can work for us! Start with a list of people you plan to buy for, jot down the gifts you think they’ll love and then check it twice. Santa has to buy gifts for the whole world, but you don’t have to. If your shopping list includes more than five people outside of your immediate family, trim your list. Look at alternatives like homemade gifts or baked goods so you can spread holiday cheer without looking like a Scrooge. Create a Budget Based on Your Finances Your best friend started a great job a few years ago and always gets you the most amazing gifts. However, if you’re in a different place in your financial life, don’t overextend yourself to match gifts. Look at your budget and see what you can do. Don’t shop based on what you think you should spend. The saying “it’s the thought that counts” really does ring true. It’s still possible to give thoughtful gifts to your loved ones without breaking the bank. Homemade From The Heart While...