_25 Debt Reduction Tips For Your Immediate Action Plan

With credit cards so convenient, loans so common and debt socially acceptable, getting into debt is extremely easy. I still have vivid memories of the two people who sold me on my college credit card. It had the school logo on there and best of all, it helped the school every time I use the card to pay for a purchase. How cool is that?

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50 Budget Travel Tips and Save Money on Vacations

by MoneyNing

Want budget travel tips for free? Wouldn’t you want to travel more often without breaking the bank? What if I told you that instead of planning one family trip a year, you can go twice with the same budget? If you are at all interested, read on to find out how you can do simple things to save money next time you go on vacation.

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4 Things you might not have known about your Cell Phone
 
For all the folks with cell phones. (This should be printed and kept in your car, purse, and wallet. Good information to have with you.)
  
There are a few things that can be done in times of grave emergencies.
Your mobile phone can actually be a life saver or an emergency tool for survival.
 
Check out the things that you can do with it:


FIRST   (Emergency)
The Emergency Number worldwide for Mobile is 112. If you find yourself out of the coverage area of your mobile network and there is an Emergency, dial 112 and the mobile will search any existing network to establish the emergency number for you, and interestingly, this number 112 can be dialed even if the keypad is locked. Try it out.


SECOND   (Hidden Battery Power)
Imagine your cell battery is very low. To activate, press the keys *3370#. Your cell phone will restart with this reserve and the instrument will show a 50% increase in battery. This reserve will get charged when you charge your cell phone next time.


THIRD   (How to disable a STOLEN mobile phone? )
To check your Mobile phone's serial number, key in the following Digits on your phone:      
  *#06# .
A 15-digit code will appear on the screen. This number is unique to your handset. Write it down and keep it somewhere safe.
If your phone is stolen, you can phone your service provider and give them this code. They will then be able to block your handset so even if the thief changes the SIM card, your phone will be totally useless. You probably won't get your phone back, but at least you know that whoever stole it can't use/sell it either. If everybody does this, there would be no point in people stealing mobile phones.
   
And Finally....
FORTH  (Free Directory Service for Cells)
Cell phone companies are charging us $1.00 to $1.75 or more for 411 information calls when they don't have to. Most of us do not carry a telephone directory in our vehicle, which makes this situation even more of a problem. When you need to use the 411 information option, simply dial:
(800) FREE411  or  (800) 373-3411      
without incurring any charge at all.  Program this into your cell phone now.
This is sponsored by McDonalds.


This is the kind of information people don't mind receiving, so pass it on to your family and friends.  

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Request your free annual credit report.
It's QUICK, EASY and SECURE.

This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.

We guard your privacy.
 
Please be aware of how you arrived at this site. To ensure that you are visiting the legitimate site, type the site name https://www.annualcreditreport.com directly into the address bar on your browser. You will never receive an email directly from the Annual Credit Report Request Service
 

Take advantage of your free credit report once a year
 
When is the last time you checked your credit report? Some people never do. Those are the ones who could become susceptible to deceptive loan tactics. 
 
For example, let's say you're at a car dealership. The salesman might put on a big show, saying how difficult it was, but that they finally found a lender who will finance your loan at 14% -- when all along you had great credit, and could have found yourself a loan elsewhere at 4%. 
 
You have a right under federal law to see each of your three credit files once a year, for free:   The special federally-sanctioned site for this is called AnnualCreditReport.com

http://www.annualcreditreport.com. It is the ONLY truly free website to check your credit report.  

Note:  There are many so called "free" credit report sites...make sure you use the only one that is truly free.

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