Sometimes we just like to be helpful in general. That is what today’s blog is all about.

You want help with credit cards?

Stop using them.

Review everything about your credit cards. What is the interest rate of each one? Separate them by interest rates.

Call your credit card companies and ask, beg, plead for elimination of the interest until you have paid the card off. You will have to call back week after week and ask for supervisor after supervisor, but plead with them for elimination or reduction in interest rate.

Pay the minimums on each card EXCEPT the one with the highest interest rate and pay as much MORE than the minimum on that one as you can possibly pay each month until you pay it off. Then, continue to do the same with the next card with the highest interest rate (until you have paid them all off completely).

Consider balance transfers (if they make sense; do your research). Look for a card with a smaller credit union. It can make large differences.

Want help with “The money basics” (real estate, credit cards, saving)?

www.cnnmoney.com/moremoney

Want to really save? Focus on negotiation for everything you purchase and try to purchase items other than grocery type items on www.craigslist.com or other sites that let you purchase used. You know – buy low, sell high.

Work to create value. Think of credit cards as the enemy of your family. Think of your checking account as a “money laundering account for other people’s money.”

Use any excuse you can to pull money from checking to savings.

Check previous blog entries to see our “1% Savings Plan” and our recommendation for a real emergency savings fund for 2010.

This ain’t your momma’s economy anymore. Own it. Find the way to grow assets. Check in with HOW TO SURVIVE ANY FINANCIAL CRISIS at www.middleclassmoney.com.

You can do this! Don’t let anyone tell you that you can’t.

HELPING YOUR KIDS GET AHEAD

If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like www.boostmywealth.wordpress.com and www.stickyasset.com/blog and groups on Facebook like “Coupons & Coupon Codes”)!

In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford
www.stickyasset.com/blog
www.middleclassmoney.com
www.boostmywealth.wordpress.com
www.squidoo.com/boostmywealth
www.stickyasset.com

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”