I sure hope that my entry gets counted - for some reason I thought we were supposed to post our results on December 1, and today I realized it was supposed to get posted today, but I was at work and didn’t get home until after 1AM EST . . . so I’m hoping that this goes through by the deadline of 11:59PM PST!

This post is very picture heavy, so read on at your own peril !

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In an effort to get a better handle on my finances, I’ve started to learn about credit . . . specifically, the magical credit score that determines all of your financial future. It influences your ability to obtain a credit card (and the card’s interest rate and credit limit), mortgage, loan, or any other number of things that I may or may not need to do in the future. Poor financial decisions will create bad credit which limits what you can and cannot do in the future.

One of the best things you can do for your personal financial health is to regularly check your credit report. It is now FREE to obtain a copy of your credit report once a year from each of the three credit reporting bureaus. Because of this, many financial advisers are now recommending that every four months you check your credit report.

What exactly is this credit report, and why do you need to check it so often? It is a listing of all the accounts that you have on record. Remember that credit card that you opened at the mall one day three years ago and only used once? It’s on your credit report, and every time an employer/lender/bank/etc. checks your credit, they see this card. You forgot to pay your cable bill when you moved to a new state? You’ve got a missed payment on your credit report that shows up and detracts from your credit! Or perhaps you thought you paid off that outstanding rent payment, but for some reason it’s still there . . . four years later, giving you bad credit. It’s important to keep tabs on your credit report so that you know what is happening in your life. This can also be VERY useful if you think you may have been a victim of identity theft, because if someone else has been doing things in your name that you don’t know of, this is where you can catch it.

However, there are scams out there trying to GET all your credit information by posing as “free credit report” websites. Don’t be fooled! THE website to go to is AnnualCreditReport.com. This one is not a scam and is safe to use. You can go to this site to get your report from Equifax, TransUnion, or Experian (the three reporting bureaus). They also make it available to get your actual credit score, but this costs a little money (I got mine from TransUnion for $7.95). From what I’ve researched, it’s recommended that you get your credit REPORT every four months (since it’s free) and your credit SCORE once a year, just so you know where you stand.

I was quite pleasantly surprised when I checked mine. I figured since I’ve only been building my credit for about 18 months that it would not be very good, and there wouldn’t be much information, but there was quite a bit on there, including an account that I had forgotten about. The report also gave me some thoughts as to why my score isn’t higher (accounts haven’t been open really long and I don’t have any involvement with real estate).

You can find way more information on credit by reading any good personal finance blog (check out the links in my sidebar). For more specific information about this topic, read How to Obtain Your Free Credit Report @ Get Rich Slowly.

Taking control of your financial situation by keeping tabs on your credit? Works for me!

Wow, it really has been a while since I did a WFMW! I thought I’d jump back in with this week’s theme - the “Brand Loyal Edition.” We’re supposed to post about what brands/products we can’t live without. So, here are a few of my favorites!

Starbucks - there’s a reason I love my job. Not only do they make quality products, but they are becoming more socially responsible and they are an AWESOME company to work for (that is not marketing hype - all the rumors you hear about them being a great employer are true).

E. Webscapes - there’s a reason I love my other job too, LOL! I was a very loyal customer for E. Webscapes before I joined them this past spring, and now that I get to work for them every day I see just how much hard work and personal care goes into each design project. Most definitely worth the money!!!

WordPress - it is so freakin’ versatile! If you haven’t experimented with WordPress as a blogging platform (or just a site management too) I SERIOUSLY recommend that you do so. I’ve tried many different platforms, and WP by far outshines them all. You can do so many things with it, and it is super crazy user-friendly. I have 2 blogs run on it, plus I’ve set up blogs for 4 or 5 friends on WP as well. And they are people who don’t know HTML from PHP from voodoo . . . and they love using WP.

Bookcrossing - this site has revolutionized the way that I think about books. I was always taught to hold on to your books since they are such a precious item. I still have great respect from books, and if a book holds special meaning for me or if I REALLY enjoyed it, I will still hold onto it. However, I’ve also learned the joy of sharing books. It’s so awesome to read journal entries as your books travel around and are enjoyed by countless others. And, if that’s not enough incentive, think about how many trees you could save by not printing new books!

Amazon.com - speaking of books, LOL! Amazon is almost ALWAYS my first stop when I’m buying something new. The prices are almost always the cheapest (plus, within 30 days if the price changes you can get back the money you would have saved by using Price Protectr), the reviews are EXTREMELY helpful, and if you join Amazon Prime you get EVERYTHING with free 2 day shipping (yes, there is an upfront fee, but I’ve found that I save way more than that by not paying for shipping or having to bump my order up to $25 for free shipping, and there is the benefit of not waiting a week). I even applied for the Amazon.com credit card, and I use that as my primary card. I get 1 point for every dollar I spend, and once I get to 2,500 points, I get a $25 gift certificate to Amazon.com! Since I keep track of my spending like a debit card, it’s not rare for me to see one of these almost every month. AWESOME. Books? Check! DVDs? Check! Canvas grocery bags? Check! New external hard drive? Check! All things I’ve bought (for less) on Amazon.com!

Finding awesome brands that I trust and have proven themselves to me time and again? Works for me!

OK, just had to post this since it’s holiday crunch time and people are short on cash (or they will be in January when those credit card bills come in)!

PayPerPost rocks. I just got $20 this week from some blog posts I recently, and all together I’ve made $72 from posting on PayPerPost. It’s ridiculous! I’m not even taking most of the opportunities!

There are tons of different opportunities about different topics. I pick opportunities that are about things that I would be posting about anyways - like NASCAR, and the hookah I bought in Istanbul.

If you haven’t at least looked into PayPerPost, at least give it a try. I know it’s not for everyone, but if you haven’t considered monetizing your blog in any way, this is a great thing to consider!