I’ll just charge it.

The solution to every shopping problem any girl has ever had. It’s quick. It’s efficient. And swiping a pretty piece of plastic that closely resembles a gift card distances you from the reality that eventually you’ll have to actually pay that money.

Now don’t get me wrong. Credit cards are awesome. You don’t become the owner of more shoes than there are days in a month by not liking credit cards. But that doesn’t mean that they’re not a dangerous little deviants that should be kept at a distance until they can be handled properly. And by handled properly, I mean, paid off promptly. Because the longer you put off those payments the worse it gets and the worse your credit score gets. What’s your credit score, you ask? Well, ladies, that’s a good question. In fact, it’s the question most of this post is dedicated to answering. So take a deep breath and bear with me here.

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Let’s face it: we all make stupid decisions. Like choosing a fifth over a review session, or bringing that guy home…who stole our iPod in the morning. That’s part of college life… and a big part of what makes it so memorable. But there are some choices that have longer lasting repercussions; things we do now that will haunt us later.

So here are the 11 things from your 20’s you will most definitely regret when you’re 40. Read More »

It’s easy to throw down your MasterCard and forget about how much your text books cost for the semester; it’s just as simple to open a tab at Happy Hour and let the Bud Light flow.  We all eventually realize, however, that college flies by in the blink of an eye, and before you know it, you’ll be on your own.

With the economy in peril, now is an especially good time to start keeping an eye on your credit score so you don’t find yourself denied when you try to open new bank accounts, get a new apartment, condo, or house, or reward yourself for landing your dream job by buying your first brand new car.  Maintaining a good credit score doesn’t have to be harder than next Tuesday’s cumulative Calc exam, though– here are five simple steps to stay on top of your financial game. Read More »