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Top 10 Tools and Tactics to Trim Your Bills

Cutting down your cellphone, rent, credit card, and other bills is the gift that keeps on giving, all year ’round. Try these negotiation tactics, savings tips, reminder plans, and other tips to cut down your paycheck killers.

…Cutting down your cellphone, rent, credit card, and other bills is the gift that keeps on giving, all year ’round. Try these negotiation tactics, savings tips, reminder plans, and other tips to cut down your paycheck killers. Photo by Casey Serin.
10. Double-Check Your Credit Card Statement
When you’ve automated your finances and feel like you’re watching your purchases at the store, it can be easy to overlook the surprisingly frequent purchases you didn’t make on your credit card bill. As Consumer Reports points out, it happens all too frequently even twice in two months. Having to provide a card twice because it “didn’t go through” is a red flag, but sometimes stores, restaurants, and online vendors are just overzealous with their charges. (Original post)
9. Reduce Your Rent with a Letter
Rent increases can seem like a fact of life, but if you’re in an area hit hard by the real estate downturn, it doesn’t have to stick. The Wall Street Journal detailed the efforts by some Manhattan roommates to run the…

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Top 10 Tools and Tactics to Trim Your Bills

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Top 5 Myths Of Crediting Ratings | DebtLoanRate.com

Credit Report is your whole credit history, your credit cards dealings, Loans, Mortgages, your all previous money transactions and any past bad debts you have. It means that your complete financial record can be expressed by simple Credit Report.

…ll evaluate your credit score in his own way. So you can have only one specific score with each lender. They can calculate your score using different formula for different things, like mortgage, loans or credit cards bill. Payment of any of your existing debt will enhance your credit score.
2. Past Debts and Current Rating

It is a sad but real part that your all previous unpaid bills and debts can have a bad effect on your current ratings. Whenever you had missed a payment, it had been recorded in your report. It can prevent the lender to approve your present loan application.
3. Number Of Credit Accounts
Most of the people are of the view that more than 1 credit account has a bad influence on your credit score. But it is not true. the whole thing which matters is, what is your repayment status. if you have 5 credit accounts and you are paying your bills on time. It will provide a good shot to your existing rating.
4. Friends and Family Living With You
Your all dependents who are living with you, have no…

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Top 5 Myths Of Crediting Ratings | DebtLoanRate.com

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