Couponing With a South of the Border Flair

Posts in category Coupons

Avoid These Bad Credit Moves

Nov30th
2012 Written by admin

Bad Credit Moves to Avoid

Although most of us know about the most important components that make up our credit scores, there are other components that can prove surprising from time to time. Be sure to read up on the components that make up credit scores, because knowing about them will also help you avoid making bad credit moves.

Here are some common examples of activities that can end up damaging your credit rating:

* If you realize that you are going to encounter difficulties with making your monthly payments, don’t sit on the information until the payments are long past due and the collectors have started harassing you through the phone. Take the time to speak with your creditors both to inform them about your circumstances and to see if there is anything that you can do about your situation.

* Don’t take out more money than what you need. Not only does having more outstanding debt limit your financial options in the future, but too much outstanding debt can also result in damage to your credit rating. Furthermore, excess debt relative to income is dangerous because a sudden disaster can push you past the edge of insolvency.

* If you have been struggling to manage your credit card debt but have finally managed to finish paying down the outstanding balances, don’t cancel the cards that have been paid off. Part of the calculation of your credit score is based on the length of your credit history. Each time you cancel a credit card that has been paid off, you are also discarding the credit history attached to the card.

If you find yourself with sub-par credit, don’t worry as there are plenty of ways to fix your credit score.

Couponing Jargon

Jun28th
2012 Written by admin

When you enter the realm of extreme couponing, it is important to learn the in and outs of this great way to save money.  There are different tips and tricks to learn that help you to save even more than the average couponer.  But in learning those tips and tricks it is also important for you to “learn the language” that is used in the couponing world.

While you are checking into the couponing policies of the stores you visit, there are some terms that will come up.  For example, you should check to see if your coupons are “stackable.”  That means that you can use a manufacturer’s coupon in addition to a store coupon.  It can also mean that you can use a coupon along with the sale price published by the store.  You should check to see if the store ever has double coupon deals.  This means that the coupon you present at checkout will be twice the face value.  For instance, a coupon for $1 off a bottle of laundry detergent would be worth $2 giving you even more savings.

There are also some acronyms that you will encounter.  Some people get rather confused when they see things like MIR, OYNO, or BOGO.  Recently, the acronym BOGO has been used a lot during store sales.  It means Buy One Get One.  Usually it is followed with something like “BOGO Free” or BOGO Half Off.”  MIR means the savings you get on the product is through a Mail-In Rebate.  Factor in the cost of your postage to figure your true savings, and be sure to read the requirements of the rebate.  OYNO means you get some savings On Your Next Order.  These are coupons that usually given to consumers at checkout.  Most often they are a percentage off your total purchase at that particular store only.  Read the terms of the coupon carefully.