According to aFastPayDayLoan.com (us) it’s just about time to get that annual thumbs up the… err, credit record to see how well we’ve been reported in the last 12 months.

Why do this in June, you ask?

Silly human… you need to do this now so you know how much more in debt (and to be prepared) for the Christmas season shopping blitz.

The major credit reporting agencies are more than happy to (because it’s the law) send you a free annual credit report and we’ve chosen June as the month to get it done because… what else are you going to do?

You’ve just paid off the last Christmas season shopping blitz, we hope… and now you’re planning your “Stay-cation” because, again, you’ve just paid off the last Christmas season shopping blitz… and your holidays aren’t for another 6 weeks, or so… which doesn’t matter much because you’re broke anyways…. *sob*…

You can easily save the money you don’t have, so that’s when it’s a good time to do the credit check on yourself and find out how all the big money guys view little you.

Here are some links to get the job started, and done, quickly:
- AnnualCreditReport.com (Equifax and Transunion provide your free annual credit report through this website)
- Request your Credit Report by Phone, just call 1-877-322-8228 to request your credit report by phone
- Request your free annual credit report by snail mail, but first download the application from AnnualCreditRepoort.com and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Get cracking!!

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I hear a lot about guys (and women too!) that treat their kids to a meal out, maybe McDonalds or some other fast food restaurant, as a way of celebrating their pay day.

But that is totally WRONG and sets a bad example for their children too.

Before you get your tidy-whities in a knot, listen me out:
If you spend money on pay day that you won’t have again for two weeks, or a month, what does that teach your kids about money?
It says “spend it while you got it”.

And that’s very bad.

So what I suggest is that you turn this “pay day treat” into a positive experience.

Take that $20 or $40.00 and put it some where to SAVE it for another week.
Then show your kids what it means to HOLD ONTO your money for seven days, then take them out with that saved money.

Simple, and effective. SAVE your money.

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The money blog on CN today has a great article on credit card Annual Percentage Rates (APR) and effective APR which every credit card user should be aware of.
Understand the differences, save your money. Read the article here.

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