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Sandra Quadros Bowles

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5 Surprising Ways You Can Hurt Your Credit

Posted by Sandra Quadros Bowles on Nov 14, 2019 7:45:00 AM

Even when you practice good fiscal fitness, your credit score can suffer a knock-out. Sometimes the steps you think make financial sense can actually harm you, even if you pay your bills on time, keep your debt to reasonable levels, and make purchases that are responsible, not frivolous.

That’s all good stuff and goes a long way toward establishing a solid financial footing. But there are things you may be doing — often with the best of intentions — that you could hurt your credit score.  

Check out these five ways your actions could hurt your credit score.

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Topics: Credit Score, Credit Card

4 Questions to Ask Before Remarriage

Posted by Sandra Quadros Bowles on Oct 28, 2019 1:08:30 PM

Oscar Wilde wrote, "Second marriage is the triumph of hope over experience." The Irish writer had a good point. People who are widowed or, specifically, divorced know that marriage isn’t always a fairy tale, and it doesn’t always end happily. But that doesn’t stop people from trying again, particularly as they grow older.

Statistics show that 67% of those ages 55 to 64 who were previously wed will remarry. But there’s another sobering statistic these couples should consider. On paper, at least, they are more likely than not to experience another marriage upheaval, which is why you and your partner should sit down and ask each some questions before giving marriage a go again.

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Topics: Divorce, Weddings

7 Ways Pet Lovers Can Earn Money

Posted by Sandra Quadros Bowles on Oct 18, 2019 3:36:04 PM

Whether they're walking dogs or cleaning up after them, millions of Americans have landed gigs that combine their love for warm, furry creatures with their desire for cold, hard cash.

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6 Ways to Make Money with Your Store Receipts

Posted by Sandra Quadros Bowles on Oct 7, 2019 7:36:00 AM

“Do you want your receipt?’’

We hear that question so often as clerks complete our transactions that we can be tempted to tune it out, dismissing it with a quick head shake as we dash off to the next receipt-generating errand.

But we shouldn’t. Taking that receipt can pay off...literally. It's a small piece of paper that can add up to big bucks.

Here are 6 reasons why you should always say yes to the receipt:

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Topics: Savings

5 Smart Moves to Make With a Raise

Posted by Sandra Quadros Bowles on Aug 21, 2019 8:27:00 AM

Your boss calls you into the office with great news: You've earned a raise, or perhaps you're getting a bonus for all the hard work you've done this year. Now you can buy those shoes you’ve been eyeing, or replace your old iPhone with the latest iteration.

While the urge to celebrate and reward yourself is understandable, hold onto your wallet and think before spending. Putting your long-term goals ahead of short-term needs can make your money work harder for you in the long run, reduce crippling debt, or boost savings for a rainy day or a sunny retirement.

Here are five things you can do with that raise that'll help you reach your financial goals:

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Topics: Debt, Savings, mortgage, Credit Card, Work, Financial Wellness

8 Financial Steps to Take Before Going Freelance

Posted by Sandra Quadros Bowles on Aug 16, 2019 8:23:21 AM

Imagine having a job where you can work in your pajamas and the longest commute you will make all day is from your home office (it’s OK if that’s the couch) to the coffeemaker. More and more Americans are trading in the nine-to-five grind to be their own bosses. Fifty-six million Americans freelance, which is an increase of 3.7 million in the past five years, according to a study released October 2018 by Upwork and Freelancers Union. But is it for you, and more importantly, do you have the wherewithal to make a go at it?

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Topics: Work

5 Ways to Celebrate National Financial Awareness Day

Posted by Sandra Quadros Bowles on Aug 13, 2019 10:33:23 PM

The day may not be as well-known as Christmas or Thanksgiving, but Aug. 14 is a milestone day that could change your life. National Financial Awareness Day is celebrated Aug. 14. This date reminds us to be aware of how to build financial stability and to be prepared for our financial future. After all, ignoring your financial situation can be scarier than Halloween. So here’s five pieces of good advice to consider on this Financial Awareness Day. Recognize these sayings? They apply to finances as well:

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Topics: Savings, Investments

Shop for the Holidays This Summer

Posted by Sandra Quadros Bowles on Aug 2, 2019 11:59:00 AM

Summer's finally here. The waves are crashing and the AC is blasting. With summer concert bands playing classic hits, fireworks exploding in the skies, and excited kids screeching joyously in splash parks, it's a blissful, if noisy, season. But listen carefully. There’s another sound in the distance. You might not hear it clearly yet, but it’s getting closer by the day.

Sleigh bells.

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Topics: Savings, Budgeting

What to Do When You Lose Your Wallet

Posted by Sandra Quadros Bowles on Aug 2, 2019 6:02:00 AM

My day fell apart in front of the iced coffee machine at my neighborhood convenience store. I had pulled out an extra-large cup, filled it with ice cubes, and then mixed the iced coffee and milk in my traditional equal portions. I could practically taste the cold brew, and the long, refreshing gulp that would ward off the already rising morning temperatures. But first I needed money to pay for my treat. And that’s when I realized: I had no money because I had no wallet.

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Topics: Credit Card, security

Where to Do Your Tax-Free Shopping This August

Posted by Sandra Quadros Bowles on Aug 1, 2019 9:31:55 AM

Back-to-school shopping becomes a little less taxing this August for consumers in many states. A number of states have approved a sales tax holiday, allowing consumers to purchase certain items without paying the corresponding taxes. This “holiday’’ may not be marked with parties and cards but it's truly worth celebrating for bargain hunters looking to reduce their expenses.

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Topics: Holidays, Taxes

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