Auto Pay vs. Bill Pay: Why and When We Recommend Both

No one likes paying bills, but at least gone are the days when you would sit at a table with a checkbook and stamps at the ready. Today, everything is electronic, and thank goodness for that. You can pay a vendor or a service electronically one of two ways - [...]

Auto Pay vs. Bill Pay: Why and When We Recommend Both2020-06-10T09:56:53-07:00

How to Manage Your Credit Card Debt

Fiscal Fitness was recently featured in an article on ValuePenguin and on NASDAQ's website about how to manage your credit card debt. Here is the article: The average credit card debt for an American household is $5,700, and it rises to more than $16,000 for households that do not pay [...]

How to Manage Your Credit Card Debt2019-05-15T14:12:31-07:00

Credit Cards Aren’t All Bad

As a financial coach, I teach my clients how to be in charge of their money rather than their money being in charge of them. One of the first things we do is review their income and expenses, including basic living expenses, student loans, and revolving debt, otherwise known as [...]

Credit Cards Aren’t All Bad2020-05-04T09:58:00-07:00

Why Saving Comes Before Paying Down Credit Cards

This is going to make no sense at first, but hear me out: You need to work on building up your savings before you work on paying off your credit card debt. It sounds counterintuitive, but this is how you break the cycle of credit card debt. You need to [...]

Why Saving Comes Before Paying Down Credit Cards2020-05-04T09:43:17-07:00

Gas on Your Credit Card: Is it an Economic Death Spiral?

I hear this statement far too often: "I only use my credit card for food and gas. I figure I'm going to buy that stuff anyway, so it's no big deal if it goes on a credit card." What's wrong with using your credit card for everyday expenses? In the [...]

Gas on Your Credit Card: Is it an Economic Death Spiral?2019-05-15T14:05:35-07:00

How and When to Use Rewards Credit Cards

Call me weird, but I like looking at the Top 10 "Trending Now" topics on Yahoo. I want to see what people are searching for. Today, one of those topics was "Rewards credit cards", which made me shake my head and roll my eyes. Believe it or not, I'm not anti-credit [...]

How and When to Use Rewards Credit Cards2019-05-15T13:53:04-07:00