Pretty Girl University RSS



Planning Ahead to Get the Best Deals

When it comes to buying, you will save the most money by planning ahead and strategizing. This is true in most areas of your spending. Here are a few tips on using time to your advantage when it comes to looking for a great deal.Know the Sales PatternsIt’s not what you buy, it’s when you buy it. For example, clothing stores have a predictable pattern year after year as to when the right time to buy is. In general, good timing for clothing purchases are during major yearly sales, at the end of each season, and in January for great clearances savings. If you are booking a holiday, try to keep track of sale patterns as far in advance of...

Continue reading



Simple Steps for Repairing a Poor Credit Score

A good credit score is something that you often take for granted until it is gone. Having a poor credit score will cripple you in many ways, from not being able to get credit when necessary, to being stopped from making important purchases. If you work hard and take many steps, you can often improve your credit score in as little as one to two months. Here are some tips to help you get started.Apply for a Credit CardIf you have poor credit history, you should obtain a credit card if you do not yet have one. This will ensure that you have somewhere to begin. It gives you a place to start to build good credit, if yours is...

Continue reading



How to Build Your Credit from Scratch

Building credit can be a slow process. When you are faced with the task of building it from scratch, it can seem to take a long time. Have patience, and use these tips to help you get a good start. In no time you will find that you have a diverse amount of options to equip yourself with.Find and Maintain a Stable JobPerhaps you are already off to a good start, having had a long-term, stable job. If not, it should definitely be one of your main focuses in the immediate future. Secure a job that you can envision yourself at for many years. Stability in a job always looks good as far as credit is concerned. If you have...

Continue reading



Prioritizing Your Needs Versus Your Wants

It can be difficult to compartmentalize things into what we need versus what we want. Sometimes our wants feel like needs, and often the two even overlap. It is important that we get a good, clear grasp on this concept if we are to be responsible with our resources. Here are a few thoughts in regards to separating the two, and being comfortable with your decisions.Be Honest with YourselfA first and important step when deciding on the difference between a need and a want, is to be honest with yourself. Force yourself to keep coming back to this principle as you work through decisions. No matter how much you might be tempted to make excuses for particular things in your...

Continue reading



Make Your Income Work Every Month

Most of us are not satisfied with our income – no matter what, we always yearn for more. However, it is imperative to learn how you can make your income work regardless of your paycheck size.   Here are a few tips: Structure a budget Your budget should summarize all your living expenses, so you can compare your total spend against your take-home pay, cut out or reduce any unnecessary expenses and figure out a reasonable savings plan. It includes fixed expenses like rent, mortgage, insurance, childcare costs, etc., along with variable expenses like medical costs, food & groceries, and so on. Discretionary expenses like entertainment, eating out, shopping, etc. should be considered too. There are loads of free budget...

Continue reading