Understanding the Debt Trap from the Outside In – the Marketing of Debt in America

Marketing of Debt in America

Most often the discussion surrounding consumer debt focuses on how to get out of debt, why debt is bad, and why saving money is good.  In addition, debt is often a topic of interest for many personal finance books, blogs, and websites, including Filling The Pig.  These perspectives are educational, relevant and important to the […]

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How Many Credit Cards Should You Have? My Credit Score with One Credit Card

Dump Credit Card Debt

Actually, the real question might be – how many credit cards should you have based on what the credit card companies think? Ever since I started blogging about personal finance topics I have wanted to write an article focused on credit cards, specifically the number of credit cards you should have. Because I believe effective […]

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Should You Use a 0% Balance Transfer Offer to Pay Off Debt?

Should I Use a 0% Balance Transfer Offer to Pay Off My Current Debt?

  You’ve seen these offers advertised before? An Insane Credit Card Offering 0% Interest Transferring Your Balance to a 21-Month 0% APR is Ingenious Demolish Your Debt with this 18-Month 0% Credit Card Are you considering a 0% balance transfer offer to pay off debt? These days everywhere you look, there are more and more […]

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Best Identity Theft Protection Services

Best Identity Theft Protection Services

Who has the best identity theft protection services? I have written previously about my experiences with credit card fraud and provided my recommendations on how you can actively monitor your credit card transactions by lowering your transaction threshold to receive email alerts. Although credit card fraud is one area of concern when you think about […]

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What’s Not Important When Paying Off Debt! Putting the Cart Before the Horse

What’s Not Important When Paying Off Debt

Finding good practical advice on how to pay off your debt is easy.  A simple Google search will get you a whole bunch of great articles – including the ones you can find here on FTP. However, what you won’t find often enough is articles on what isn’t important when you’re paying off debt. The […]

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Why Debt Consolidation is a Bunch of Crap – Don’t Consolidate Your Credit Card Debt

Debt Consolidation

Sorry for the expletive – now you know how I really feel about debt consolidation. If you have considered or are considering a debt consolidation loan, before you make that move read this first. What is Debt Consolidation? Debt consolidation is when you take out a loan to consolidate other forms of debt. For example, […]

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Credit Card Fraud – Why You Should Lower your Credit Cards Transaction Alert Threshold

How to Stop Credit Card Fraud

I wrote an article on credit card fraud last year during the holiday shopping season, after I had become a victim of on-line credit card fraud.  The article focused on minimizing your exposure to fraud.  Everyday there seems to be some new article, or story discussing a new credit card scam.   I thought revisiting […]

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Online Fraud and Your Checking Account – Credit Card Fraud

online fraud

Prior to the 2016 Christmas holiday I received a notification from my credit card company that they were tracking some suspicious card activity on my account. I immediately logged into my account and foundover $500 in unauthorized charges being made for everything from household decorations to shoes. I contacted the online fraud department and confirmed […]

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