Recent Posts by Kate Jacobs

Fun Fact Friday!

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Hi Everyone! A friend of mine asked me a question the other day that is something everyone needs to know about their credit report. There is a statute of limitations on how long negative items can remain on your credit report. So if you're thinking that the mistakes you made with credit cards at 18 or ...

Fun Fact Friday Returns!

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Hi all! It's been a while! We were talking about some of your rights as a consumer under the FCRA, (Fair Credit Reporting Act) so let's recap, and go over the next right covered. We talked about: -Your right to receive a copy of your credit report. -What happens with inquiries when you apply for a new line of credit ...

Fun Fact Friday! The FCRA Continued

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Woo hoo! Happy Friday! To continue with your rights under the Fair Credit Reporting Act, (FCRA) the next part we will cover is what happens if you submit an application for credit and are denied. Many people think that if you're denied credit, the inquiry dings your score and that's the end of it, thankfully the ...

Monday Madness Matter!

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Hope everyone had a great weekend!! You have rights in place to protect you and your credit, but if you don't know what you have in your corner, it won't do you much good. This week we'll cover part of the Fair Credit Reporting Act (FCRA). You have the right to know the name of anyone ...

Monday Madness Matter!

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  How many of us have a goal we feel like we will never reach? Do you believe you deserve it? Things like nice cars, houses, vacations, etc, that we start to feel like maybe we can reach that goal because we aren't sure if we deserve it. We do deserve it, but that doesn't mean ...

Fun Fact Friday|Your Rights Part 1

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  One of the most important things you can do when it comes to credit, finances, really life in general is to know your rights. The Fair Credit Reporting Act (FCRA) is there to protect you as the consumer. Over the next few weeks we'll go over the major points that are covered under the FCRA ...

Monday Madness Matter|Keep The Proof

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Happy Monday!! I've mentioned before the importance of keeping receipts to help you stick to a budget, but what it can also help you prevent is identity theft and fraud. Saving your receipts to match up to your credit card and/or bank statements ensures that you were charged the right amount, and also that there are ...

Fun Facts Friday|Spotting Debt Collecting Scams

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As much as I love Fun Fridays, recent new stories have led to this break in your regularly scheduled programming. If you have ever been in debt, you may have received calls from debt collection agencies saying informing you that you have a debt that is in collections and must be paid. Currently, scammers have been ...

In Memorium

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Today we will let you enjoy your barbecues and celebrating your day off, but as you do so remember that today is to honor the fallen. Thank a vet everyday, but today say a special thank you to those who didn't come home. The least we can do is take a moment to appreciate the sacrifice ...

Monday Madness Matter|Time Budgeting

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That feeling we all get when we realize the month is nearly over and we didn't get something done yet, now we have 5 days to get it done? Isn't it just WONDERFUL!? Not. Just like with money budgeting, we should always give ourselves a bit of a cushion when budgeting our time. If you're ...

Fun Friday! Free Things To Do!

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With summertime just around the corner, (kids getting out of school, more daylight hours to use,) many of us who are living on a budget are constantly in need of things to do that won't break our budget into little tiny pieces. Here are some things you can do for free! Don't limit yourself to ...

Fun Friday! Practice Celebrations!

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Happy Friday!! Here's one more way to keep yourself motivated! It may sound silly, but.... Practice celebrating!! Silly, right? What I mean by this ties into visualizing the win. Think of your closest big goal, what do you think you'll do when you accomplish it? Will you cheer? Call someone? Maybe buy yourself something? When you feel ...

Monday Madness Matter|Peer Pressure

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Happy Monday!! Hope everyone had a great weekend! Peer pressure has such a negative stigma attached to it. I'm sure the first thing you think when seeing this picture is some jerk trying to get the basketball player to smoke. But what if it was the other way around? Peer pressure isn't necessarily a bad thing, ...

Fun Friday!

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First of all, I hope the bring your lunch to work challenge is going well! If you did it, figure out how much you saved, and reward yourself tomorrow by buying lunch! When negativity is all around, staying happy and positive is a challenge. The unfortunate part is that you may have to create your own ...

Monday Madness Matter|Pick Your Battles

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  Happy Monday! One of the best pieces of advice, (and funniest yearbook quotes,) I've seen is, "don't sweat the petty stuff, and don't pet the sweaty stuff". For me, it means to not worry about the things I can't control, because it won't do anything except stress me out. It also means to pick your ...

Fun Friday!

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Remember when you were a kid, and getting a gold star was worth doing the work well? No one wanted to be the only one without a gold star!! Maybe you were even super competitive and compared how many you could get in a week versus your friends, (looking back, no, I'm not proud of ...

Fun Friday! The Life Edition

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  When was the last time you made and accomplished a goal, or a to-do list for yourself with some less than pleasant items, or items that required more than the usual effort? We all have those things that we find any and every excuse to put off. It could be going back to school, re-doing ...

Monday Madness Matter!

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Today I want to take a different approach, today we're comparing our adult lives to high school, to see where we might be making the same kinds of errors. I've thought of 3 main ways we make the same kinds of mistakes, the planning fallacy, lack of motivation, and a false sense of security. The fallacy of planning We as humans ...

Fun Friday!

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Yay for Spring Cleaning! This year, don't just clean your home and yard, clean up your credit! Imagine the possibilities that will emerge when your credit doesn't disqualify you from loan options, career options, or just how much you have to put down to rent an apartment! A friend of mine and I went to the ...

Monday Madness Matter!

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  This last week, I saw lots of articles, posts, and "advice" to stay away from credit cards. They all said things like, "credit cards will make you broke!" or, "you don't need credit cards!" Credit cards are not the only way to build credit, but people who think you don't need credit in today's society ...

Fun Friday!

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We have yet another financial tip that can be applied to lots of different parts of your life! DON'T BE AN OSTRICH! Sticking your head in the sand doesn't delay anything, or make it go away, it just makes it more of a surprise to you when it's too late. Ignorance is not bliss people! Be ...

Monday Madness Matter!

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We're going to continue with another budgeting tip, this one might sound like an unusual approach, but hear me out. “It is impossible to live without failing at something, unless you live so cautiously that you might as well not have lived at all." J.K. Rowling What does this mean for you? When you're making your budget, accept ...

Woo Hoo! Fun Friday!

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April Fool's! Serious topic today. This tidbit of information can be applied to every aspect of your life. Financial, emotional, mental, etc... What's the definition of insanity? One popular definition is doing the same thing over and over again, expecting a different result. How does this apply to your life? If you're not happy with how ...

Monday Madness Matter… Budgeting Tip

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As much as none of us WANT to live on a budget, the reality of it is, 33% of Americans say they have a detailed household budget, 30% say they have long term financial plans, and guess what, of the Americans who set financial goals for 2014, and stuck to it, 80% said they achieved ...

Fun Friday!

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Get an OpenSky® Secured Visa ® Credit Card, a credit card that works for you. Know how to properly use your credit card, and never make this face again!   Have a great weekend all!!

Fun Friday!

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  If you can't relax this weekend because you're constantly worrying about the amount of debt you owe, check out your options with our friends at American Debt Enders today! You don't have to let debt ruin your weekend. Get some relief and have a Happy Friday!!

Monday Madness Matter – Budgeting Money

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Budgets, the word sounds like the adult version of being told to do your chores, or you won't get your allowance. No one wants to do it, we all procrastinate, or do a crude job only to be told it's not good enough to get your allowance. In the end, we do it the right ...

Fun Friday

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We’re going to do something new for our Friday blog now, it’s all about giving everyone a laugh for the end of the week.

If you have suggestions, feel free to let us know here or via Facebook!

kevins-leaving-do

And on that note, if you need a new job, check out the listings with our friends at Indeed.com!

Have a great weekend! 🙂

 

This Week On… The Monday Madness Matter

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WHY EVERYONE NEEDS CREDIT This week we will cover the ever so brief, but major topic that so many people are not aware of. I've mentioned this before, but just so we're all on the same page... If you think paying cash for everything will keep your credit score in good shape, not borrowing from anyone, not ...

What is an FHA loan, and what does it do?

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You read that in The Terminator's voice, didn't you? FHA loans, often known as bad credit loans, can seem confusing. While there are tons of details that will vary by lender, state, and individual borrower, here are the basics that everyone should know when starting the process. An FHA loan is a mortgage insured by the Federal ...

The Monday Madness Matter

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Happy Monday, everyone! In addition to "Fun Friday", we'll now have "Monday Madness Matters", and the matter at hand will change each Monday. Today, we'll answer a question I received from one of our Facebook Friends. The question was, "How can the credit card companies raise my interest rate if I’ve paid my bills on time?" ...

Credit Repair Companies… Real or Scam?

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There will always be those bad apples in every industry, every profession, and every aspect of life. But when you're choosing something as important as a credit repair company, how do you know if what they're offering you is legitimate? Whoever you choose will have access to some very personal and sensitive information, how can ...

Hiding In Plain Sight

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What's the first thing that pops into your mind when you hear "credit"? Most people think "cards", or "scores", but there's one that you need to remember, "report". When you apply for a new line of credit, (mortgage, auto loan, personal loan, etc...) the creditors and lenders look at the actual items on your report, ...

Credit Cards: The Most Dangerous Game

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High credit card balance? Just get another one to pay it off, right? WRONG! How can you win this uphill battle? Knowing the cheat codes would help. Luckily, you've got a ringer in your corner. The cheat codes for this game has a few components. Having a professional in your corner for guidance will help you level ...

Vantage vs. FICO… Who’s the heavyweight?

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In 2006, the original VantageScore Model was released in hopes of outshining FICO. VantageScore 3.0 is the current model, and most creditors and lenders still use FICO instead. Some of you may have seen your VantageScore, and thought, "Wow! That's a lot better than my FICO score! Why can't lenders go off of that??" Well, ...

Top 5 Credit Questions Asked By Our Friends

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First of all, great questions! A lot of you messaged with your questions, and most of them boiled down to these, if your question was more specific, I'll respond via Facebook messenger. When you have questions, just message us or post on our Facebook page and I'll gladly answer them! 1. Can’t I just pay off ...

What are the ingredients to your credit pie?

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With any recipe, the right combination of ingredients is the key to a successful dish. But do you know the types of credit and how much you need of each? Today we will go over what each portion is, and what the right combination looks like: Types of credit- Various types of credit including revolving credit, (such ...

So You Got Divorced… But Your Credit Didn’t

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Divorce is one of those things that has an impact on so many aspects of life, one that a lot of people don't know about is your credit. How does it affect credit? Don't divorce decrees separate who is responsible for each account? Today we'll talk about how this can affect you, and what you can ...

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