Tips To Spend Money Wisely On Credit Cards

What Credit Cards do I Qualify For?

Free Credit Search is a completely FREE web-based resource for credit card seekers. We provide real-time unbiased information to help you make informed decisions about your credit. By filling out our credit profile you can find out which banks will approve you BEFORE applying!

All information submitted on the application profile will be used to conduct a search of lending institutions which are willing to issue you a credit card(s) based upon your current credit, income and employment.

You must be 18 years of age or older and a citizen or permanent legal resident of the United States with a verifiable permanent U.S. home address and a valid social security number. You must reside within the continental United States including Hawaii and Alaska.

When you use our service, you will receive FREE results with the following information:

Your no obligation FREE results will be available within minutes of submitting your application. We will not pull a credit report to complete this search. Your results will be emailed directly to you after your search is complete.

How to Spend Money Wisely

In his book Rich Dad Poor Dad Robert T. Kiyosaki shows what the poor, middle class, and the rich buy on payday.

The middle class buy liabilities. They buy a bigger home, new cars, big screen TVs, club memberships. These purchases are all too often made on credit. They create a monthly mortgage payment, monthly credit card payments, monthly membership payments. As the middle class make more money they reason that they can buy more goods and services on credit.

The result is that they always feel their income is never enough. Every time they get a raise they buy more expensive items on credit. This never ending cycle of increasing income and increasing debt payments is called the "rat race".

The rich discipline themselves to avoid instant gratification. Instead of purchasing liabilities, they purchase assets. They continue to accumulate assets because assets produce a cash flow.

As you accumulate assets your cash flow will increase. When your cash flow exceeds your income from your job, you have bought your personal financial freedom.

Read the details of how you must transform your thinking to really spend your money wisely. Read Rich Dad Poor Dad.

Spending Tips Stores provide lots of spending tips:

• Save 30% only until Thursday.
• Sale ends Sunday at 4 PM.
• You only go around once in life.
• You'll be happy with your purchase.
• You'll look good in this new model.
• Watch their happy faces when you give the very best.

But, unless you have your own spending tips, you'll spend too much. You need to have your own spending tips always on your mind as you shop. Here are some useful tips:

• Spending Tip 1:

  Simply ask yourself, "Why am I buying this?" Reflect on your own thoughts. What motivates you into buying this item? Is there a real need for the product or is an advertising slogan going through your mind?

• Spending Tip 2:

  Before you buy something, think "Wait a week." Except for food and gas, this really helps. During the next week you can reevaluate your desire for what you thought you couldn't live without. If you still believe you need it, purchase it only when you have enough cash to pay cash or pay off your credit card in the next billing cycle.

• Spending Tip 3:

  Look over your budget plans and ask, "Is this in the budget?" Every successful business has a budget. Think of yourself as a business that is trying to make more money than it spends. Sometimes you delay buying something because it's not in the current budget.

• Spending Tip 4:

  Consider "Will there be a long term benefit or simply a short term moment of happiness?" A business buys an item because it helps the business to prosper over a period of time. You should see a long term benefit from the purchase for you and your family.

• Spending Tip 5:

  Finally, consider "What are both the benefits and disadvantages of buying this item today?" Think about the good things the item will produce in your life. Then think of the less pleasant side effects. Really think about these effects and decide if the item is in your best interests. Consider the benefits and disadvantages from both a short term and long term perspective.

Quarterly Credit Report Access Plus Credit Monitoring

For one annual fee you can get access to your credit report, updated 4 times a year. Plus you will get weekly credit monitoring and additional services.

Now iCreditReports.com can provide the following services:

• Weekly Credit Monitoring Emails You will receive weekly email alerts about changes in your credit report. You can easily detect fradulent activity, new credit inquiries, new accounts, late payments, and more.

  Identity theft is the fastest growing crime in America. The sooner you detect it and take action to fight identity theft, the less damage will be done.

• Quarterly Access to Your Updated Credit Report You'll get a brand new credit report four times a year. Your reports are easy to read and have color graphics with a free interactive guide.

  With up-to-date knowledge you will be better positioned to know how you stand with creditors.

• Credit Monitoring You get updated credit scores four times a year plus personalized analysis showing you how to improve your score.

  This will help you get better lending rates as well as quicker lending approval. This will save you lots of money in the long run.

• Debt Monitoring You'll get an up-to-date analysis of your debt to income ralationship four times a year plus important advice for improving your debt management.

  Your credit score depends, in part, on the amount of debt you have. Improving your debt to income ratio will greatly help improve your credit score.

• Powerful Tolls for Analysis You be able to see graphically how your credit score is improving with colorful charts showing trends in income, debt, credit score, and more.

  The more you know, the better able you are to imporve your situation.

Now you can try this service free for 30 days. Go to iCreditReports.com now to start your free trial.

You'll soon see that this is the most valuable service you've tried on the Internet in a long time.