Your Credit Score: The Good, the Bad and the Facts

 I’ve said it before and I’ll probably say it again –your credit score is one of the most important numbers in your life. This three-digit number essentially acts as your financial report card, except there’s no leaving it behind after graduation. Your credit score is used to represent your creditworthiness, which translates into the likelihood that you’ll pay your debts in a timely manner....more

How to Hire the Right Sales Executive

Finding good sales people might be more challenging than you realize, especially since there are specific characteristics that you need to consider before hiring a new employee or a sales manager. Successful sales teams can be a huge asset to any business, as they form part of the driving force that helps to grow the organization into a profitable, sustainable one.Working with Sales Executives...more

52 Week Challenge with a Twist

So like most bloggers, I have to post the 52 week challenge but with a twist. When I say twist I  mean like adding more money to the challenge of course. Sometimes I like pushing the envelope of my challenges even further. Adding $25  on a monthly basis to your already growing fund will in the end have you coming up with a lump sum of 1378+300=  $1678 at the end of year or $1703 if you add an additional $25 just because of how the year ends.  ...more

Ability to Repay/Qualified Mortgage

In just over a week, new rules issued by the Consumer Financial Protection Bureau (CFPB) will go into effect. These rules are called the Ability-to-Repay/Qualified Mortgage (ATR/QM). The implementation of these rules will have a huge effect on the mortgage industry, and may impact a borrowers' ability to obtain a mortgage....more

The Requirements For Providing A Good Credit Card Application Report

The business credit card has a high efficiency when it comes to granting, obtaining, and expending loans. There are application forms that must be filled by the applicant who applies for business credit card and it can be done with the use of internet. The customer is granted a line of credit that he can access and expend when he/she is in need. Some of the customer possesses good records of credit history. The limit for the credit will automatically rise then; the increase of the loan amount will be attained by exerting much effort....more

Introducing Money Hip Mamas & $25 Amazon Giveaway

Welcome to Money Hip Mamas!...more

Vacation and Re-examining My Priorities

So I just have to blog about this or it's going to drive me insane. I don't feel like I really have anyone to unload this on because, well, I feel stupid and I know a lot of people I'm friends with (not to mention family!) would shake their heads with the "I told you so" look. And yes, I know. And yes I know I'm a fucking idiot. I'm just realizing now, as well, how selfish I am and that's the embarrassing part. Well, that and spending ridiculous amounts of money on something after I'd finally gotten my finances back in order....more

5 Ways to Create and Plan a Realistic Budget

A budget can help you achieve your financial goals, avoid getting into debt, and even identify problems in your spending habits. We all know having one is important, yet 57 per cent of households don't have one. Read on to learn how you can buck the trend and establish a budget you can stick to....more

Five Steps to Put Your Money Where Your Values Are

 Image Courtesy:  www.freedigitalphotos.netBy Linda Katz...more

HOW DO PEOPLE LIVE DEBT FREE? NO REALLY?

I have become a stay at home mom recently.  Now every purchase in my house has come under scrutiny.  I chose to stay home so I knew I had to tighten my spending to make our ends meet.  In just over a month I have managed to rack up about $1000.00 in credit card bills. Mind you not alone, my husband has added to that, automobile gas, trips to the hardware store....more