THE CHARGE-IT Credit Card Blog

  • I’m back in debt, but that’s OK

    When my husband and I made the final payment on our debt this past year, we broke out the bubbly. So, it’s a little hard to admit that we’ve decided to go back in debt. As I’ve mentioned before, we recently did a major remodel on our house. As our funds were dwindling, we still […]

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  • Confession: 3 discretionary purchases I regret

    Fun money is supposed to be fun, right? In the past, I’ve always thought that meant I should just blow it on whatever I want. Lately, though, I’ve been rethinking that attitude. It bugs me when I buy something on a whim and it ends up collecting dust, especially if it was expensive. So, I’d […]

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  • Hungry, angry, lonely, tired spending

    Have you heard of the acronym H.A.L.T., which stands for hungry, angry, lonely or tired? It’s used in everything from addiction recovery to overeating — and I’ve found it applies to spending, too. The idea behind the acronym is to stop and think whenever you get the urge to do something that’s probably not the […]

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  • Don’t let a gym membership ruin your financial fitness

    Many consumers join a gym hoping to shed pounds but instead end up losing only dollars. With contracts that can trap you into a monthly payment and salespeople more than eager to sign you up for one, protecting your best interests can take more energy than that first post-holiday workout. I know this, yet I’m […]

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  • Dodgy service providers are a charge-back gray area

    In an ideal world, you’d have time to vet every service provider who comes to your house. But when you have a household disaster — the toilet clogs, a pipe bursts, your basement floods — you might end up making a hasty decision. That’s what happened to me several months ago when our hot water […]

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