Scott, you never cease to amaze me!
I'm in my 28th year of retirement, and for most of that time I
have spent many hours a day (average of 6) browsing the web
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Did you know that all U.S. Citizen can receive a copy of their credit report for free annually? Yes that's right! No longer do you have to pay to view what's inside your credit profile. If you haven't done so in a while, you should get your hands on a copy of your free credit report to see what creditors ... Read more

Your Budget is not dead after the Winter Holidays, here are 6 Ways of Rehabilitating it.

Winter holiday ended. No money left. Like always, you have promised yourself to be balanced and not to waste all your money on fancy clothes, expensive gifts and sophisticated parties. A promise you most likely didn't keep…
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There are so many companies out there using consumers low credit score in order to make money. The truth is that you don’t need anyone to help you with it. That’s right – You can do it on your own.

As a matter of fact credit repair companies do the exact same things you do to repair your credit, so why should you pay for it?
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How do you call it when you receive free stuff? You might be tempted to say “a commercial promotion” or “it's election time”. Well, that just proves how deeply into the consumer society you have sunk. It’s called a “gift”, d’oh!

Here are some ways of getting gifts:
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