Insights from Organized Instincts
8 Credit Myths: Uncover the Facts
Let’s debunk 8 credit myths and uncover the facts behind them. Credit Myths #1: Credit is evil. I should pay cash for everything. The Facts: Some experts believe you should only ever purchase something if you can pay cash for it. They believe all debt, and by...
3 Ways to Improve Your Credit Score
So, you've read frequently asked questions about credit scores, and you also understand ways your credit score affects what you pay for credit. But what do you do if your overall credit health isn't, well, so healthy. No worries! Here are 3 proven ways to improve your...
5 Ways Your Credit Score Affects What You Pay for Credit
When asked in a recent Bankrate survey, "How often do you review your credit report?" 34% of respondents answered: “Never.” When we read that, our collective gasp could be heard round the world! If you’re one of the 34% who never checks your credit report – and by...
Your Credit Score – Start Here
In the old days, buying something on credit was a last resort. In modern times, though, many of us depend on credit to purchase a new home or car. Employers may also use a person’s credit score when they screen potential candidates. You hear about the importance of...
Use a Password Manager – Here’s Why
Unless you’re a bona fide genius or you’re gifted with a photographic memory, chances are slim that you can remember a strong password for all your accounts. Yet the importance of strong passwords can’t be understated. Use a password manager to reduce (maybe even...
Is Your Money on Autopilot?
In 5 Ways to Streamline Finances, we briefly mentioned that money on autopilot is not a good idea. Today, we share 7 signs your money is on autopilot and how to take control. You invest a ton of effort and energy into what you do to earn a living, right? You know how...
5 Ways to Streamline Finances
Earlier we talked about how to Make a Date With Yourself to Pay the Bills, and now we are going to talk about another way to streamline finances. Let’s talk about going paperless and automating payments and deposits. Let’s Get Digital Convert paper bills to e-bills...
Avoid Being the Next Victim of Identity Theft
Did you know tax time is when many people learn they’re a victim of identity theft? It’s only discovered after they file taxes and they get a notification from the IRS telling them they’ve already filed their return (when they know they hadn’t filed yet). Or, because...
Tax Tips: The ‘Nanny Tax’ – Not Just For Nannies
Busy, busy, busy. That's what you are - all the time it seems. So naturally you've enlisted help around the house. But you might be in for a huge wake-up call if the IRS comes knocking because you failed to comply with household employee taxes. Read these frequently...
Tax Tips: Charitable Donations
Charitable donations are a wonderful way to support your local community or national organizations. They’re also an excellent way to lower your tax bill. That’s right – you can help at the same time you save money on taxes. Use these tax tips to make sure you get the...