Shopping Online The Smart Way [EXCERPT]

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Folks, we’re officially hitting crunch time for holiday shopping. If you’re struggling with those final hard-to-find items on your family’s wishlist, you’re likely turning to the deep recesses of the Internet to make their dreams comes true. (Obscure Simpsons reference T-shirt, here I come!)

In addition to your purchase, you probably look for a few other things when deciding where to buy: cheap prices, free shipping, and quick delivery. However, those shouldn’t be your only considerations. …

3 Myths About Your Credit Score Debunked

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Lately, I’ve been compulsively checking my credit score. I needed a new apartment, I’m applying for loan consolidation, and I’ve been looking into getting a credit card. I wanted to know if these applications impacted my score.

Then, I was on the phone with my mother recounting my obsessive rituals—and she yelled at me: “You can’t do that!! It will RUIN your credit score. Every time you check your credit it goes down!!!”

Well that’s no fair … and it turns out, not true.…

3 Ways To Safely Build Your Credit Score In College

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You check your grades, emails, and missed calls, right? But have you checked your credit score?

If you read this with a glazed look over your eyes, it’s OK—in college, I also had no idea what a credit score was or why it’s so important. Until, like Sasha, I tried to rent my first apartment. I didn’t have a long credit history. “That can’t be so bad,” I thought. At least it’s not bad credit, right?

Well … I had no way to convince leasing offices that I’m capable of punctually paying rent. To them, I was still a risk!…

The Mystery Behind Your Credit Score Calculation

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If you’ve come this far, you probably realize how important it is to have a good credit score. A bad credit score can prevent you from borrowing loans you may need to purchase a home or vehicle, cause you to have high interest rates, or even keep you from getting a job or an apartment.

Most lenders or companies that inquire about credit scores use the FICO score. But what goes into it? You may not realize everything that does or how each factor is weighed. If you don’t know, how are you supposed to better your score?…

Get Your Mind On Your Money With Help From DoSomething.org

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Sadly, our #20SomethingProblems sweepstakes has ended. If your #20SomethingProblems didn’t end with it (fingers crossed that they did), what can you do?

Well, you could go the Mega Millions route. However, we’d suggest something less risky: learn to manage your money. And SALT™ has a new friend that can help you do just that—DoSomething.org.

Check out these details on their latest series of free money workshops.…

Why Your Credit Score Really Matters [VIDEO]

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This month, we’ve covered a lot of scary financial topics, from entering the stock market to living on your own to figuring out where to work.

However, we’ve saved one of the scariest money monsters until now. This financial fiend is so frightening, that it can affect your ability to get a car, rent an apartment, or even land a job.

What is this currency colossus? Why, your credit score, of course.…

Protecting Your Money Is Kind Of Like A Carnival

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A few weeks ago, while using an ATM at a state fair, I realized that my bank account was lower than it should be. After checking my account history, I found out that someone had been purchasing songs and vitamin supplements with my debit card.

Just like the Tilt-A-Whirl and Zipper rides by me, the idea of someone stealing my money left me scared and disoriented. Fortunately, I quickly rectified the problem—while also realizing that protecting money is a lot like a carnival. (Despite my highest hopes, kettle corn and angry clowns hovering over dunk tanks are not involved.)…