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About.com   Financial Planning
In the Spotlight | More Topics |
  from Jeremy Vohwinkle
When you hear discussion about credit cards and debt, the first reaction tells you that debt is bad and should be avoided. Well, credit cards or any type of debt are really just a financial tool, and when used properly, can be very beneficial. For example, how many people could save up hundreds of thousands of dollars to buy a home with cash? It can be done, but it might take a few decades to reach that goal. Instead, by borrowing money you can use leverage to make the purchase now instead of waiting.

Unfortunately, these powerful tools can do more harm than good if used improperly. Learn the basics around credit cards and debt with the credit and debt basics guide that covers the following topics:
  1. How to establish credit.
  2. The importance of your credit score.
  3. How to improve your credit score.
  4. Getting out of debt.
  5. Borrowing money for college or a business.


 
In the Spotlight
Credit and Debt Basics
When you hear discussion about credit cards and debt, the first reaction tells you that debt is bad and should be avoided. Well, credit cards or any type of debt...read more

 
         More Topics
The Importance of Your Credit Score
Your credit score and underlying history is one of your most vital parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life. Many people think that a credit score only really matters when it comes to being approved for a loan or credit card, but it goes far beyond that...read more

 
Break the Minimum Payment Habit
One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run....read more

 
 
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