As a service to readers, this new feature will be updated weekly with up-to-date best credit card rates. Know of a great credit card rate that we haven't included? Send us a tip. You can also browse full details of my 12 recommended credit cards … [Read more...]
Why We Got a Target Red Card (And The Dangers Of One-Size-Fits-All Advice)
April 4, 2012 By 17 Comments
Perhaps you’ve heard this advice before: Store credit cards are evil! When the clerk at The Gap asks you “Do you want to save 10% today by opening up a credit card with us?” say, “no way, that’s stupid! Saving 10% to pay 30% … [Read more...]
Cash Rewards Credit Cards Compared
March 29, 2012 By 8 Comments
All credit cards are not created equal, and having the right credit card for your spending habits can pay off. For example, if you're paying off a balance over time, you don't want a card that pays big rewards but has a higher interest rate. If, … [Read more...]
Q&A: I’m Financing A Car; Should I Make A Down Payment Or Pay Off Other Debt?
March 23, 2012 By 7 Comments
Occasionally I publish answers to selected readers’ money questions. I welcome your opinion in the comments. Send questions to david@moneyunder30.com.Q: I am in the process of purchasing my first car. I make a little over $30,000 and have student … [Read more...]
The Best Credit Cards for International Travel
March 15, 2012 By 10 Comments
Earlier I cautioned readers about foreign currency credit card fees. Not surprisngly, I later started to hear from many of you wondering...what are the best credit cards for traveling abroad? Here are some things to consider: … [Read more...]
Should You Ever Pay a Credit Card Annual Fee?
March 15, 2012 By 7 Comments
A lot of other personal finance nerds call people who pay an annual fee on a credit card "stupid". I don't agree. Credit cards with annual fees are not necessarily evil---they can, in fact, be a great deal...for the right person. If … [Read more...]
Balance Transfers on Credit Cards: What You Need to Know
March 1, 2012 By 3 Comments
If you've spent one too many months staring at your swelling credit card balance---and all that interest you're paying---that piece of junk mail promising a 0% balance transfer credit card probably looks pretty enticing. Sure, balance transfers … [Read more...]
Charge Cards: A Smart Alternative to Credit (And Debit) Cards
February 25, 2012 By 22 Comments
Charge cards like the American Express Premier Rewards Gold Card provide a smart alternative to debit cards and traditional credit cards. What Is a Charge Card? A charge card is a like a credit card without the option to pay your balance off … [Read more...]
Auto Financing for Smart People: Tips for Saving on Your Car Loan
February 17, 2012 By 23 Comments
Earlier this week I wrote about mistakes we make when buying a car. One of those mistakes is overlooking the importance of the auto financing in the overall cost of your new car. The example I gave is if you are buying a new Honda Civic, the … [Read more...]
Capital One Venture Credit Card Review
February 1, 2012 By
The Capital One Venture Credit Card (spelled "Capital One" not "Capitol One") has stood out among miles rewards credit cards for a couple of years now with a generous rewards plan and frequent, funny ads like those featuring Alec Baldwin and Jimmy … [Read more...]
I'm David Weliver. At 26, I had NO savings and NO financial plan. I was maxed out, stressed out, and fed up. Then, I changed. I repaid $80k of debt, tripled my income, and bought a home. I'll show you how to get similar results.