If you’re minding that credit score there are some things that won’t ding your rating. Paying off a credit card won’t hurt but canceling one will because it reduces your total available credit. Checking your credit report or a credit check by an employer has no impact and you can’t have too many credit cards unless you carry balances that you can’t pay off each month. Source Link
Borrowing from your local library probably includes more than just books, movies or CDs. The American Library Association lists over 200 items that cardholders can borrow for free, from air mattresses to wall art and yoga mats to yogurt makers. Plenty of tech items are on the list, including Bluetooth speakers, webcams, streaming players and even WiFi hotspots. Source Link
You’ve heard of refinancing your mortgage, but how about the loan for that set of wheels? Auto loan refinancing may be an easy way to save money because many people don’t shop around for the best rates when buying a car. Refinancing an auto loan is much simpler than a mortgage and may take just one day to complete. Source Link
