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SkyBlueCredit.com is the Best Company to Repair Your Credit

It’s really essential to note that it’s quite essential to repair your bad credit which can be difficult. It will take time and of course there is no quick fix for repairing one’s credit score. In some cases, if we take quick options it could backfire so you should be aware of any false claims and advice from phony credit repair companies. The essential tips for rebuilding credit are by managing it with responsibility and paying your bills on time. Many people have struggled with the followed and that is why we are her to help you! When you realize that it’s time to improve your credit score, we recommend that you take a look at this skybluecredit.com review before doing anything.  AAACreditGuide.com has come up with a great review for readers about Sky Blue Credit Repair. The tips mentioned there and below are surely going to help you when you decide to repair your credit.

What Should You Do To Get Started on Your Credit Repair Journey?

1.  First things first – Check on your credit report

Obliviously the first thing you should do is check your credit score to see if you even need credit repair. You can check your credit report for free at www.annualcreditreport.com. Once you have this handy then you’ll know pretty quick if you should have your credit repaired.. On the front, if you haven’t been following the report, then do request for the free copy of your credit report and then do check for the errors. The credit report is going to showcase data which has been used for calculating your score and it may also contain some errors. Specifically, you should check to make sure that there are no late payments which are incorrectly listed for any of the accounts and that the amounts which have been mentioned are correct. In case you come across any of the issues or errors with regards to the amount, you should surely report to the credit bureau.

2. Setup the reminders for your payment

Going ahead with your credit payments on time is one of the means of contributing factors for credit scores. Some of the banks do offer the payment reminders through the online banking portals which ensure the mails or SMS is being sent on regular basis for payments to be made. You could also consider getting yourself enrolled to do the automatic debit from your bank account, but it does only makes the minimum payment on the credit cards and do not help instill a sense of the managing money.

3. Reduce the amount of the debit which you owe

It is quite easier said than done, but reducing the amount which you owe is going to be quite satisfying achievement than improving the credit score. The first and foremost thing you need to do is stop using of the credit card for some duration’s. Do come up with the plan of the payment which is available for your debt payments.


7 Easy Ways to Save Money

Saving money remains a big challenge for many people. The setback is that by the time the mortgage, car, utilities, and when credit cards are paid, there is always little money left to put aside. This leads to the pitfall of planning to save when things get better, which often never happens.

Irrespective of how much money you earn, it is possible to save money and it is really not that hard. It is a matter of learning all the different options and being creative. Here are 7 quick and easy ways to save money:

What Are The Best Ways to Save Money?

1. The good old piggy bank

You walk into a shop and make a cash purchase. The shop attendant gives you so many coins and the idea of carrying around coins is not too appealing. So you either tell the attendant to keep the change, or you look for something to buy so that you get rid of the coins (that explains the chewing gum at the checkout counter).

2. Buy off-season

Plan your expenditure far ahead in the future so that you can have more control over seasonal prices. When is the best time to buy a Christmas tree and Christmas decorations’? How about the week after the holidays when all the items are discounted by 50% to 75%? Think of this as next year’s investment.

3. Shop after you have had a good meal.

Studies have shown that shopping while hungry, stressed or tired can cloud your thinking, causing you to spend more on unnecessary items. Groceries are packaged in the most appealing way to trigger your taste buds, most especially when you are feeling hungry.

4. Scrutinize receipts and financial statements

Do you ever verify your grocery receipts,credit card statements, phone bills and bank statements’? If not, chances are you are being overcharged. This happens all the time and in many cases, the amounts involved are substantial. Always check for errors and keep your financial records in order. In most cases, the errors can be rectified.

5. Learn how to cut your own hair.

Have you ever imagined how much money you spend on a haircut annually’? Let us suppose you spend $30 a month to cut your hair. That turns out to $360 a year on cutting hair that is going to keep growing (maybe until you start balding). Learning how to cut your own hair and your children’s hair can save you a small fortune. 6. Separate money from your emotions.

Are you in the habit of spending money to cure sadness, loneliness, depression and anxiety? Or perhaps you shop out of excitement or boredom’? You need to learn how to plan your expenditure and avoid mixing your feelings with your finances. You’ll need to discipline yourself, but it is well worth the effort.

7. Generic brands

The next time you go shopping for groceries, compare the prices of different brands of the same item. You will be surprised that you are paying almost double for a brand name. This is especially true for canned food. Go generic and see whether the price difference is worth the extra money.

Learn to save money that may seem insignificant by dropping all your loose change in a piggy bank or a jar. At the end of the year, count how much money you have accidentally saved up and believe me, you will be surprised.

Saving money requires desire, determination, creativity and patience. Once you get in the habit of saving money, you will be able to see your bank balance grow to a point at which you have enough to start investing.

Have some more ideas? Contact me here and let me know!