Use the Web to Take Charge of Your Credit
The credit card industry mailed more than six billion credit card offers to households during 2005. Before you start frantically filling out the applications you've received and envisioning all the purchases you'd like to make, you should understand a few things about credit. The Web sites we've selected below will teach you the basics of credit, how it works, and how to use it wisely.
- Credit is more than just a plastic card in your wallet. It also reflects your status with lenders who decide whether to grant you a loan.
- Watching your spending is part of using credit wisely to ensure you can make your credit card or loan payments on time every month. An online spreadsheet program such as Google Docs & Spreadsheets or Zoho Sheet can help you track expenses and income. Another way to keep track of your payments easily is to do your banking online. Check out the findingDulcinea Personal Finance Guide for advice and recommended sites that can help you do that.
- Some decisions are too important to make entirely on your own. The Web sites in this section can give you a solid foundation of financial knowledge, but you should still consider consulting with an experienced professional when dealing with personal money matters.
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