BillSaver archive
101 BillSaver guides filed under Billsaver.
The Federal Communications Commission (FCC) has proposed a new rule aimed at simplifying the process of unlocking smartphones and switching carriers.
When you get married, most things become a “joint” effort. You likely live together, share possessions and may even raise children together. Many marr
Student credit cards can be an excellent way for young people to manage their money and build credit, but if they are used incorrectly, credit cards c
When you are on the hunt for a new credit card, finding the best card for your credit profile can be one of your most important considerations. If you
When someone dies, their surviving spouse may face more than loneliness and grief. If the partner left behind debt on a credit card, the surviving spo
It is hard to believe, but the summer of 2024 is almost here. It is likely that millions of Americans have made a resolution to lower their credit car
If you are looking to cut your expenses, you may have considered a cheap unlimited cell phone plan. However, are these plans worth the savings? While
It happens all the time. Someone takes out a mortgage with one financial institution and a few years later, the bank sells the debt to another entity.
You know how important it is to save money—for emergencies, retirement and other goals—but you may be having a difficult time figuring out how to do i
When people get engaged, they suddenly have to answer a number of questions about how they will spend the rest of their lives together. When will they
We all know it is smart to invest money, because it generally grows over time, which can bring us long-term profits. When we think of investments, sto
On the front of every debit and credit card is an expiration date. Usually, this date is simply the month and the year, which leaves users to ponder:
Cutting expenses and saving more are financial goals we all have. However, many people struggle to figure out how to cut spending. Here are five thing
If you get behind on your income taxes, student loan payments, or child support, a government agency can garnish a percentage of your wages to pay the
Your credit score is a three-digit number that can make or break your financial future. It represents your payment history and helps potential lenders
When used incorrectly, credit cards can be an expensive way to pay for goods and services. The golden rule of credit card use is to pay off your full
If you are eco-conscious and have had a credit, debit, or gift card expire recently, you may be wondering if you can recycle the plastic. The simple a
There are few things in life more embarrassing than having your credit card declined. Even worse than the embarrassment is the lack of information off
Gaining a clear understanding about credit scores and credit reports can be difficult, and this lack of clarity is not accidental. The companies that
Knowing what factors affect your credit score is a bit like knowing what questions will be on an important exam. If you know what will be asked, you w
Many Americans regularly receive offers from credit card companies, which offer 0% interest rates on balance transfers. These offers look tempting, bu
If you are trying to build or rebuild your credit, obtaining a credit card can be the best way to increase your score. However, if you do not have a s
You are probably familiar with classic retirement investments, such as an IRA or an employee-sponsored 401(K) plan. What you may not know is that ther
Most people know that a low credit score and problematic credit report can prevent them from purchasing a home, financing a new car, or getting a good
Since your credit card has an expiration date, you may worry that it will get cancelled if you are not using it. While this is a concern to keep in mi
Credit card rewards have become a major benefit to consumers who use their cards responsibly. If you pay off your balance in full each month, you can
Did you know that there are different types of term life insurance policies you can apply for? Many insurance companies will offer term life insurance
If your credit score is lackluster, you know how difficult it can be to get a credit card. People get into dire financial situations for many reasons,
Can I sell my term life insurance policy? Can I cash my term life insurance? Can I use my life insurance to pay off loans? We see these questions all
If you are in the market for a new credit card, there are a number of things you want to consider. You do not want to apply for the first card that ca
You may have heard experts say you should never close a credit card, as it could damage your credit score. Others may say you simply need to choose on
We are used to things moving quickly in the modern world. We have fast phones, fast cars and fast computer processors. Since we are no longer accustom
Many people cut up their credit cards to stop themselves from using them, but it is important to remember that this does not close the account. To do
If you owe money on several credit cards, you may be struggling to keep up with your monthly payments. It can be difficult to keep track of how much y
If you feel as if you have too many credit cards, you may be tempted to cancel the cards you are not actively using. While this is a good way to minim
While a 401(k) is an excellent option for saving for retirement, especially if your employer matches your contributions, it is important to understand
When you purchase a new phone, your carrier will offer you cell phone insurance. The price, which can range from $8 to $15 per month, will vary by car
Many people want to improve their financial situation but are unsure of where to start. As with any other skill, it is a good idea to look to the expe
We all know that a low credit score can affect the interest rates you are offered on credit cards, mortgages, and auto loans, but can a poor credit sc
You probably understand the importance of saving for retirement. However, what may not be as clear is which type of investment account, 401(k), IRA or
Receiving a credit card is a major first step in your financial life, but it can also take you down a road of debt if you do not use your card respons
While the economy is improving, millions of Americans will experience job loss at some point in their lives. Sadly, even if you lose your income, you
Monitoring your credit is always a good idea. Not only will it help you track your credit worthiness, which is essential if you have a major purchase
An emergency savings account is of the utmost importance. If you are a homeowner, there are a number of unexpected expenses that could occur, such as
Building or rebuilding your credit can seem to take an eternity when you are desperate for a higher score. One of the fastest ways to raise your score
Income can fluctuate. While some people earn a consistent annual income, others may receive bonuses, overtime or work non-traditional, freelance jobs.
When you go to sign up for life insurance, it is logical to wonder what all it covers. What will term life insurance pay for? Burial costs? Car paymen
Earning credit can be a frustrating process, as you cannot get approved for a loan or credit card without already have a credit history that proves yo
If you get behind on the payments on your credit card, it is possible their card issuer may take them to court to collect the outstanding balance. Sin
If you are in the market for an automobile, you may have heard horror stories about people who waited to finance their vehicle until they hit the deal
Many believe that “bad” and “no” credit are the same thing, but this is a myth, as both send a different message to creditors. In both cases, you shou
When people think of credit cards, they often think of “debt” and forget that they are called “credit” cards. When used correctly, credit cards can ac
If you are shopping for a mortgage, you may have noticed that rates can fluctuate from one week to the next. Small increases can add up quickly, depen
While many people see credit cards as the path towards fiscal irresponsibility, they can actually help you build business and personal credit. To reap
If your credit has improved or your financial situation has changed since you first took out your mortgage, you may be considering refinancing your ho
Though the holidays are behind us, many Americans are still paying for purchases made with their credit cards. To avoid costly interest charges, cardh
At a glance, debit and credit cards look exactly the same. They both have the identical number of digits, are the same size, carry the same identifyin
You may have received an offer for a 0% APR on balance transfers, and you may be tempted to sign up for it. After all, 0% APR will allow you to save m
If you are running low on cash, it may be tempting to use your credit card at an ATM or try one of the convenience checks included with your credit ca
The terms “debit card” and “credit card” sometimes seem to be used interchangeably; however, there are major differences between these types of cards.
In a finance-driven world, having a low credit score can really hurt you, especially if you are in the market for a home, car or credit card. The good
There are a number of options when you begin earning a large number of rewards points on your credit card, and you may be unsure as to which option is
Human beings could not accurately measure the second until the late 16th Century, but today, society has learned to move at such a fast pace that stan
According to the Pew Research Center, 95% of Americans own a cell phone, and 77% own a smartphone. Since cell phones are such a large expense, we comp
If you are starting a small business, it is important to have available capital and credit lines to avoid cash flow problems as you grow. Often, new b
If you are unhappy with the interest rate or monthly payment on your car loan, you may be wondering if you can refinance the loan. The answer is, yes.
Credit card issuers consider a number of factors when determining your credit limit. Like any business, no financial institution wants to lose money,
Nearly three-quarters (74%) of Americans have a smartphone, according to Pew Research, and if you are one or looking to become one, you need a data pa
Term life insurance is given its name because it lasts for a certain period of time. The length of the term for the policy will determine how long you
If you have several credit card balances, paying all of them can be difficult. To make your life easier, you may want to consider consolidating your d
Student loan debt has hit more than $1.3 trillion in the United States, and a report found that the average for a Class of 2016 graduate is carrying $
Term life insurance is one of the most affordable ways to protect your family in the event of a serious accident. If you pass away abruptly, unexpecte
Without a line of credit, it is impossible to build or rebuild your credit. Checking accounts and debit cards will not help because a financial instit
If you own a small business, you can build credit for your business, just as you can build your own credit. Your business will get a credit score simi
While credit cards can sometimes get a bad rap for high interest rates and fees, there are many benefits to savvy consumers that are unmatched by othe
Anyone who has ever dropped their cell phone in a body of water knows how quickly this will kill the device. Electronics and water just do not mix. Wh
When you first open a credit card, your credit limit is based on your credit score at that moment. If you maintain a high score, make payments on time
If you have a tendency to max out your credit card, you may be looking for new ways to make necessary purchases. The Problem with Maxing Out Your Card
If you have a 401(k) account and need cash, it may be tempting to tap your retirement for a loan. Legally, you can borrow up to $50,000 or half the ba
People love holiday shopping, but they do not care much for the credit card bills that start coming in January. Once the warmth of the holidays has pa
While anyone can obtain a prepaid card, many believe they can only be used as gifts or are only for those who cannot qualify for a credit card. Howeve
If you are in the market for a mortgage or car loan, you probably understand how important it is to have a high credit score. The better your score, t
If you are looking to trim the fat from your budget, you may want to look at lowering your utility costs. There are a number of small changes you can
Many people want to raise their credit limit on their credit card so that they have more money available to them. However, there are times when loweri
Many people believe buying a home is a good investment and that it is always a better financial decision than renting. That might not be true in all c
It may be odd to think of your credit score as an asset, but that is exactly what it is. If you have a high credit score, you can rent an apartment or
You probably know you need a better place to store your money than a sock drawer, but if you do not yet have a bank account, you may be asking yoursel
The first step you take towards building a credit history could be taken when you get your first credit card. When you use a credit card responsibly,
The term “net worth” sounds like something only the rich and famous would talk about to one another. But we should all try to increase our net worth.
Being without a credit card can be a major hassle, so it can be stressful waiting to receive a new or replacement card in the mail. Exactly how long w
For most people, their credit score is simply related to their credit card limits and interest rates. However, your score affects more than your abili
If you are an adult, chances are good that you have a checking account. It is the easiest way to cash your paychecks and pay bills. However, what you
In the past, if you wanted to open a bank account, you had to drive to your local branch and speak with an account specialist. Now, there is a new gam
How Do Prepaid Cards Work? A prepaid card is one that you load with money. You get a card, and you deposit as much money into your account as you want
The reason why most people choose term life insurance over other life insurance policies is because it is incredibly affordable. For less than the cos
Many credit cards offer some very attractive rewards. The challenge is knowing how to get the most out of your credit card rewards program. Making jus
There are many forms of life insurance policies in the world, and one that often throws people for a loop is an accidental death policy. This is a spe
Summer is quickly approaching, and unfortunately, millions of shoppers are probably spending more than they can afford. Card issuers are adding to the
Most adults have taken a financial wrong turn at some point in their lives, and where credit cards are concerned, there are many potential pitfalls. T
Human beings are living longer than ever before, which is great news. The only downside is that this means you will need more in your retirement fund
Most people know new cars depreciate the moment you drive them off the lot, which makes a new car a questionable investment. After all, you will proba