Credit, Resources

How To Get THREE (or SIX) Free Annual Credit Reports

I am not a fan of credit cards, debt, or borrowing money, but I AM a fan of keeping my personal-finance house in order. So, I like to check my credit report, at least once a year. I have been doing so for the past 4 or 5 years. I live in Georgia, and we have been entitled to a free credit report (also known as a credit file disclosure) for many years. Now, everyone in the United States is eligible for a free copy of their credit report. Here is a link to the site for your free annual credit report: Annual Credit Report Simply go to the site, and select your state, and begin the process of getting…

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Savings

Saving More Cash

I am 65% of the way towards reaching my goal of saving 20,000 dollars by 10/10/2006. You can check out my chart here… (shameless plug for the NCN Network…) So, it is almost time to reevaluate my goals for the coming year. (My wife and I each contribute to retirement plans, and we will be increasing our contributions in 2007. The following represent NON- RETIREMENT, NON-COLLEGE cash savings, for emergencies and planned purchases.) In our house, our fiscal year actually starts in OCTOBER… My Goals by Year 2005 [x] Save 1000 dollars for mini-emergency fund [x] 11,510.22 Debt Re-Payment (Actually completed in February 2006) 2006 [ ] Save 20,000 dollars in a 6-Month Emergency fund (65% complete) 2007 [ ]…

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