You may feel that cutting back on a necessity like groceries is too much of a sacrifice. But, chances are you can probably reduce your grocery bill without having to feel deprived.
When an offer of a new credit card with a 0% APR appears, it is certainly very tempting to jump on the opportunity. But is a credit card offering a 0% APR too good to be true?
Unfortunately, the need for stimulus money also means that our world – and our global economy – are in poor shape. However, by making a few smart, disciplined choices, you can use your cash windfall to make good use of the situation.
Remember, the more available credit you have, the better your credit utilization rate, and the better your overall credit score.
Whether you bear responsibility for your spouse’s credit card debt depends on many factors including when the debt was accrued, how the account has been managed throughout the relationship, and perhaps most importantly, where you live.