Whether you want to pay off credit card debt or just prevent yourself from accruing big balances in the first place, there are some simple steps you can take to help achieve your goal, according to behavioral scientist Wendy De La Rosa.
Managing your money can feel scary and complicated, but it doesn't have to be. In this TED series, behavioral scientist Wendy De La Rosa explains why we spend too much and save too little — and shares easy steps to help us achieve a more secure financial future. (Made possible with the support of Wells Fargo)
Watch Your Money and Your Mind with Wendy De La Rosa at
Right on Time! Needed to see this!
if you needed to see this, something is wrong with your brain. You should get it checked out.
@Zenn Exile but of course you watched it … that’s why you’re in my comments right ? Beat it clown!
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
1. Prioritize your payments
2. Call your credit card company (and ask them to lower your interest rate)
3. Ask to change your payment date
4. Pay less more often
Thank you !!
You spelled “have more money” wrong 4 times.
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
1. PRIORITIZE PAYMENTS AND PRIORITIZE IN THE RIGHT WAY (CONSIDER INTEREST RATE)
2. CALL CREDIT CARD CO. AND ASK THEM TO LOWER YOUR INTEREST RATE.
3. ASK TO CHANGE PAYMENT DATE.
4. PAY LESS MORE OFTEN.
These arent ted talks, PFO
What dies the ‘E’ in TED stand for?
i subed to ted for inspiring people not for crappy lifehacks
So you missed the lifehack about complete sentences. Also… ‘subbed’.
@chas ames
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
Very soothing voice
Number 1: Buy GME
Someone call Dave Ramsey
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
Good stuff, more like this!
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
I love this clear useful info. Thank you Wendy
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
Don’t set the card payment date just after your pay date, that’s a dangerous trap that will come back to bite you. Better to set up your payments to make TWO payments a month- both payments a little above your monthly minimum payment, that way you cannot be caught out if the credit company takes their payment a few days early (as is commonly done by such companies). So, if they are asking for $40 a month, pay $50 twice a month. This meets your basic requirement AND takes a bite out of the balance! It also grants you a cushion for when times get hard (as they sometimes do), as you can stop the second payment temporarily and save a bit of cash that month should an unforesen expense materialise. I was given this advice by my father and it has stood the test of time.
Regarding point #3 (change in payment date) most banks have a grace period of about a week so it shouldn’t matter that much but also point #4 (making frequent and smaller payments) would definitely invalidate the need to do #3 anyway….overall good points though.
It’s called the debt snowball. Pay the minimum payment on all but the lowest debt. Wipe that debt out. Then apply what you were paying on the lowest to the next lowest and wipe IT out. It snowballs from there.
Dave Ramsey would not approve of this advice….
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
A tip I recently learned, especially helpful if you’re near the limit and paying a lot of interest: make a big payment on your credit card when you get paid, then use it for every necessary purchase you can, like groceries, gas, certain bills, etc. They calculate how much interest to charge you based on each day’s balance, so the more days with a lower balance the better. In other words, if you just have cash in your checking account for several days you’re wasting the opportunity to pay less interest on your credit card.
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
Bye ted
My spouse is a doyen. We have really done a few good on our credit reports. We have been trying to raise our scores to mid-800 his score is 519 while mine is still in the high 500’s. (I think is 536 currently.) I also have a judgement against me for a credit card. The judgement doesn’t appear anymore on my credit report, I assume because it’s over 6 years old. I’m pretty sure it didn’t just “go away”. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I saw good remarks of how this credit expert ”Michael Gibbs” had helped people. Here is his contact [Gibbs@creditpatchup.com]. He did a monumental job by helping us raise our credit score to 826 and 814 respectively and removed all the negative items replacing them with beautiful tradelines. Just a couple of days after, we fixed agreement. Thanks am highly indebted Jack. He can be reached via his email for fast response [Gibbs@creditpatchup.com]..
POV: Europeans just using their debit cards…
Americans will use our sweet sweet rewards points en masse post covid to fly and stay in Europe just to be obnoxious. You did this because of this comment and all other Europeans will now be mad at you.
don’t ….use credit cards… ??
Does the animation for the 1st tip match what she is saying?