Negotiating credit card debt is an incredibly valuable strategy to help you get out of debt faster. Not only does negotiating debt help lower your payments, it also helps you take control of your finances where before you may have felt powerless. When you have a ton of credit card debt, it can feel like […]
How to Increase Your Credit Score Without Using Credit Cards
If you’ve been reading the Celebrating Financial Freedom blog for long, you know I’m not a big fan of credit scores. In fact, I believe the best credit score is no score at all. So why would I write a post about how to increase your credit score? Well, in some cases it’s easier to […]
Rewards Cards vs. Paying Cash- Which One is Better?
Most of you know by now that I’m a huge advocate of using cash only when it comes to financing your lifestyle. Of course, that means using the green stuff or a debit card. But as I interact with readers here on the blog and commenters on some of my Facebook posts, I’m finding that […]
How to Live Without Credit Cards- It’s Easier Than You Think!
Can you really live without credit cards and still live like a normal person? Well, yes and no. You can live without using credit cards, but you certainly won’t be a normal person if you do, and that’s a good thing. Think about it, the average family has over $15,000 in credit card debt. When […]
Mobile Payments – The Good and Bad of Paying With Your Cell Phone
Mobile payments are the future of paying for your stuff, and that future is fast approaching. With apps for the Android and Apple platforms, using mobile payments for most transactions is starting to become more mainstream. They will eventually change the way most of us spend money on a daily basis. So is this a good […]
You Don’t Need a Credit Score, Here’s an Alternative
Credit stinks. You don’t need a credit score. Credit wastes your money. You DON’T NEED a credit score Using credit will serve to keep you in perpetual debt. Once again, YOU DON”T NEED A CREDIT SCORE! Guess what? I don’t like credit. If you’ve been a participant here at CFF for very long or taken […]