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Did you know that 10% of all marriage proposals in a given year happen on Valentine’s Day? (That’s this Sunday, folks, in case you needed a reminder.) If you’re in a relationship where the Question might be popped this weekend, check out our (just for fun) guide below to make sure your heart is in the right place before you ask or answer. Not that there is a clear right or wrong here: We all know that money can’t buy love, but love is a heck of a lot tougher without money. Maybe you’ll get lucky and marry for both.

Credit challenged consumers need to know that one of the requirements of a bad credit car loan is a list of references. Here we explain what needs to be on that list and the best way to put it together.

The basics

At Auto Credit Express we’ve spent the last 20 years working with credit-consumers who, for various reasons, find themselves with credit problems. As part of our business, we have helped many of these same individuals raise their credit scores and reestablish their car credit by financing a vehicle with a bad credit car loan. A

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When the talk turns to weekend plans, usually ideas that involve spending come to mind. Dinner out. A movie. A night out at the clubs. A sports event. These things are fun and fine to do in moderation. However, they can get expensive if you do them every weekend or if you are on a limited budget. Enter the frugal Saturday night with friends. This is something that is fun to do, very easy to put together, and something I’ve been doing with my friends for years.

First, choose the location and the theme. When the weather is cold and wet, we usually choose someone’s house. If it’s nicer out, we may go to a park or to the nearby lake. All of these locations are free and, unlike clubs, have no cover charge. Somet

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It’s Friday again, and that means it’s time for the weekly SpendOnLife grab bag! Today it’s all about erasing debt. Reduced debt means less money wasted on interest, fewer collectors calling on the phone, and, ultimately, higher credit scores. Here’s a round-up of some tips and resources that will help you reduce, eliminate, or otherwise master your debt, no matter how big a hole you’re in. 

Forget a gift registry…try a debt registry!

Now, services like BillPayRegistry.com give your friends and family a way to help out with those pesky credit card, student loan, and auto loan bills. C

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Recently, I was asked about credit cards and banks by a friend of mine. I told her about credit unions and why I thought they were so much better than banks. For a brief review, you can read my article about the credit union revolution. A few days later, I received the following email, which I’m reprinting with her permission:

Dear Kristy,

Thank you for helping me make a decision to look into a credit union in order to dump my bank. And thanks for some information about credit and credit cards. With your encouragement in mind, I did a little research and made a major decision today. I had a wonderful experience switching to a credit union from my bank and wanted to share. <

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