Credit Cards-- What credit cards are best for you? Take a close look at the type of cards that are available. Don't jump at the first one you see! Make sure that you accept offers from banks or companies that actually report to credit bureaus. Check on acquisition or start up fees too. How much are these banks or companies charging you to accept their card offers and how much credit are they actually extending you.

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Payday Loans-- If you need a quick emergency loan then this is one of the best ways to get one but make sure that you will actually be able to repay the loan within a month or two instead of just paying off the interest and turning a $200 loan into a $2000 one by the time you've paid it back. Here again, check on various offers available and read the fine print!!

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Computer Financing-- Be very careful here! Check to see if the company you are considering is a member of the BBB, or at least obtain a report on the company before you give out bank account information. What type of computers are offered, and what types of guarantees are provided on the computers and the financing? Ask questions, and don't be pressured into doing anything. If the company is reputable they will still be around after you have checked them out.

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