If you decide to get one of the best balance transfer credit cards, then you probably have some high interest debt you want to consolidate on a single card with low introductory interest rates.

Interest payments that have spun out of control can affect people for years when they try to get them under control. Often, interest payments are much more than the original debt, and this is a vicious circle of debt.

If you are in real financial difficulty, try balance transfer credit cards designed to provide a zero interest rate for a limited period of time usually 6 or 12 months during which there will be no additional interest incurred. Read more…

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For the first time in three long years, the credit card market seemed to thrive.  2011 was just a fantastic year to be a credit card holder, or a potential credit card holder as some credit card issuers went above and beyond the usual to offer big bonuses and awesome promotions even I had never seen before.

Four credit cards in particular offered up front bonuses of $500 or more (one of which could be worth thousands of dollars depending on what you use it for).

Chase British Airways Signature Visa – This card only survived a few months, but the 100,000 bonus points one could earn was worth multiple domestic flights, or one very awesome first class round trip to select European destinations.  Depending on where you fly from, this up-front bonus was worth up to $5,000; the largest bonus I’ve ever seen on a credit card, by a wide margin.  Unfortunately, the Chase British Airways Signature Visa is now expired.

Southwest Airlines Rapid Rewards Plus Card – Southwest doesn’t charge you for your first two bags and they also provided the Southwest Airlines Rapid Rewards Plus Card which gave away two free round-trip domestic flights.  Two flights on Southwest averaged about $800, so the bonus here was the second largest offered this year.  The card comes with a reasonable $60 annual fee and a $50 Wanna Get Away flight bonus every year.

Citi ThankYou Premier Card – A brand new credit card in 2011, the Citi ThankYou Premier Card offers up points for every purchase and 50,000 bonus points were provided to new cardholders.  That’s good enough for $500 in gift cards OR more than $600 in travel rewards but there’s a hefty $125 annual fee (not charged the first year).

Chase Sapphire Preferred Card – One final card on our list which offers a $500 cash bonus, the Chase Sapphire Preferred Card also includes a 7% point dividend bonus at the end of the year AND a dedicated live representative, 24/7/365.  When you call into customer service, you automatically get a live agent, something no other credit card provides (without a big annual fee).  The Chase Sapphire Preferred Card does have a $95 annual fee, waived in year one.

And if those cards weren’t enough, the return of the no fee balance transfer surely excited consumers, as both Chase and Discover launched a card offering a 0% intro APR on purchases and balance transfers for 12 months without a BT fee.

Now removed from 2011, I’m amazed at just how quickly a once devastated industry recovered to near full strength.  Issuers were competing against each other for new cardholders, which is a win for everyone.  Hopefully this strong trend will continue into 2012 and the ways Americans can save (or make) money by using their credit cards will continue to rise.

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The news is full of stories of famous people behaving badly, especially in financial matters. How else would you have actors and former sports players filing for bankruptcy and putting their homes into foreclosure? Well, Zooey Deschanel can teach all those financially-free-wheeling stars a thing or two! The actress in “New Girl” and “500 Days of Summer” apparently revealed her earnings and spending patterns in a divorce filling – showing the world that she’s a responsible spender and saver.

According to information leaked to TMZ, Zooey makes $95,000 a month (or close to $1.2million a year).  But her expenses only average $22,500 per month, less than 25% of her gross income. Some of the expenditures included in that figure are her clothing at $2,000 a month, eating out and groceries at $1,500 a month, and $600 in laundry and cleaning. Plus, Zooey also donates $1,500 a month to charity. Thanks to he

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*** Top items we are currently working on ***

• Solving any remaining log in issues for current members.  We don’t believe any large group of members is currently affected by log in issues, but we have received individual reports and are solving those on a case-by-case basis
• Adding the ability to minimize the Spending Trends graphs within the Envelope registers, allowing you to view more transactions within that register
• Improving scroll wheel functionality throughout the application
• Allowing users the ability to get back to the list of accounts if they are in the middle of adding an account
• Transaction assignment performance.

Updates – Release Dated 01/11/2012

• Transactions screen now visible – A small number of users were unable to see the contents of the Transactions screen. This issue arose after members adjusted the size of the widgets on that Transactions screen, the view would continue to work for the current session, but would be unavailable at the next login. This issue was account specific, so it did not matter if the user tried to login with a different browser, or even a different computer.

Updates – Release Dated 01/07/2012

• After login and enrollment, the application now launches in the same browser window rather than as a new window.
• No longer receive an error when sorting by Envelope in the New Transactions screen (not seen by all users)
• Scroll bar width has been increased
• Deleted accounts no longer show up under the Spending Accounts pane on the Home screen (not seen by all users)
• When Crown Mvelopes users attempt to login to www.mvelopes.com, they are now provided with a link to the correct login page (www.mvelopes.com/crown) instead of simply giving them a ‘Invalid Login Information’ message

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As the date of ‘Blue Monday’ is calculated, we offer you some simple steps you can take to lessen the blues.

The January blues have suddenly become a lot more specific, being at their most vivid on 16th January according to a formula used to calculate the most depressing day of the year. This takes into account the weather, the distance from Christmas, the level of individual debt and failure of New Year’s resolutions; ‘Blue Monday’ is decided.

The outlook becomes even worse when you think about the large gap between most people’s December and January payday, combined with the delivery of active credit card users’ January statements.

The current economic climate means that Blue Monday is going to affect more demographics than ever before youth unemployment over a million, house repossessions forecast to rise again, to name but a few bleak statistics- it could feel that these January pressures are reaching their peak.

The outlook isn’t all doom and gloom though and there are steps you can take to put you on the right track.

Set an

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