Ways to Look Good without Selling Your Soul to the Credit Card Sharks

1. Buy clothes at thrift stores. BEFORE you buy them, however, hold the clothing to the light to make sure there are no tears, check the seams under the arms, make sure the buttons are all there, and don't buy anything that you can't try on.

2. Never buy anything that doesn't fit.

3. Find out what your colors are and only buy those colors. I attended a workshop to figure out that I am a Winter and then I only bought clothes that look good on Winters. If I buy clothes that are not those Winter colors, I won't wear them because I know subconsciously that they do not flatter me. As an added bonus, when you wear the colors that are harmonized with your skin tone, you often have more energy, are calmer and look younger.

4. Go through your wardrobe to determine what clothes you need to buy, make a list, place the list in your purse or wallet, and ONLY buy the items that are on the list.

5. Know the values of clothing. Many "sales" are not bargains at all.

6. If you have children who are growing quickly, buy their clothing at a thrift store.

7. Only buy good quality clothing which will last a long time.

8. Buy a can of starch, and iron your business shirts as opposed to paying over a dollar to a dry cleaner that uses a harsh pressing machine.

9. Buy tie spray to protect your costly silk ties and scarves.

10. Buy clothes at the end of a season when they are on sale as opposed to the beginning of the season.

11. Buy clothes with neutral colors (gray, white, navy blue) that will go with anything that you have in your existing wardrobe, so that you won't have to buy new clothes to complement your new purchase.

12. Buy and wear only comfortable shoes and save money on doctors and chiropractors.

Excerpted from Transform YOUR Relationship with Money: A Step-by-Step Guide for Financial Empowerment. For more information about this guide, please check out my web site located at http://TransformYourRelationshipWithMoney.com

Bill Austin is a spiritual healer and teacher based in St Petersburg FL. He has assisted hundreds of people around the world in gaining the clarity they need to realize more of their full potential. To find out more about his healing practice, please check out his web site at http://www.HealingHolograms.com

---

Lower Your Credit Card Interest Rate Now!

With today's credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for... Read More

When You Are Eligible For A Free Credit Report

By Federal law, you are entitled to one free credit report per year directly from a credit-reporting agency only if you certify that:1. You are unemployed and seeking employment in the next 60... Read More

Credit Cards - The Top 3 Things You Need To Know

Today there are so many different credit cards available, student prepaid, low interest cards etc. that it has becomes a real hassle to find the right one that will suit your needs.This is... Read More

Building Your Credit History

Today, credit is an indispensable part of our lives. In order to get the things you need, such as a home or a car, you have to apply for a credit. But you... Read More

How To Save Money On Credit Cards

Some credit cards offer a cash advance option. But how good a deal is this?Not very. In fact, it can be downright expensive.Why?Because every time you use your credit card to withdraw case,... Read More

Repair Your Credit - The Right Way!

How to Repair a Bad Credit Rating?The Right Way!If you have a bad credit rating, then you might find that your ability to get financing, loans, and even some jobs is greatly diminished.Once... Read More

Discover the Parts of a Credit Report and What They Mean

So you ordered a copy of your credit report to check for inaccuracies and get the most from your credit score. Now how do you read it? Your credit report is read and... Read More

Credit Reports: Find out why you have been refused Credit.

You may already have 2 or more credit cards in your purse or wallet and you have just applied for a third and been declined. This can be very frustrating considering you pay... Read More

7 Compelling Reasons Why A Prepaid Debit Card May Be Just The Financial Tool You Need

Prepaid debit cards are great financial tools and may be just the financial tool you need. Here a seven compelling reasons why:1. A prepaid debit card helps you stay out of debt because... Read More

The Hazards Of Your First Credit Card

You probably don't need me to tell you credit cards are easy to get a hold of; at least, that is so in the US and UK. How many weeks pass without a... Read More

Finding Reputable Credit Card Companies

You're interested in getting the best credit cards for your family's needs, but you don't want to be cheated. Or you're interested in small business credit cards, but you've heard that some of... Read More

It Takes Credit To Build Credit

Using a credit card wisely is an important step in building a good credit rating. If you're trying to re-build your credit or if you're young and just starting out, pay close attention... Read More

How To Use Your Credit Cards Wisely

Are you one of the thousands pulling your hair out trying to figure out how you're going to pay your credit card bills? Using your credit cards wisely and sensibly will help you... Read More

Credit Card Disclosure Table ? Do You Understand It All?

In addition to the APR (annual percentage rate) and the finance charges, most credit cards have a number of 'fees' associated with their use. Some fees are unavoidable with a particular card (like... Read More

Credit Report Disaster Through Mistaken Identity

I've got some very important info I want you to think very seriously about. I'm sure by now you've heard of Identity Theft,...heck you may have even been affected by it. I know... Read More

Credit Score - Reporting Your Financial Health

Credit score is one of the most basic, determining factor while loan borrowing. Credit score is the criterion for the creditor to ascertain whether to give you credit or not. Credit score is... Read More

Credit Reports ? Why Your Credit Score is Important

If you have never heard of a FICO score before, you should become familiar with the term. Named for the firm that invented it, Fair Isaac Corp., the FICO score is the three-digit... Read More

Credit Card Tips

Here are some useful credit card tips for you to consider before applying for a credit card. Before applying for a credit card, you should decide why you want one, and make sure... Read More

Credit and Its Cost

What is Credit? Credit is money granted by a lender (or creditor) to a debtor (or borrower) whereby the lender defers receiving payment of the debt for a period. In exchange for the... Read More

Commercial Collections And Credit Granting

It is estimated that billions of dollars in delinquent commercial credit is currently being carried on the books of both American and international businesses. This figure changes as our economy grows or contracts.... Read More

10 Simple Steps to Manage Your Credit

By far the greatest invention the banks have ever come up with came out in the 20th century. Also the new field of Credit Management was born with the invention of the credit... Read More

How You Can Avoid Becoming A Victim Of Identity Theft

To reduce or minimize the risk of becoming a victim of identity theft or fraud, there are some basic steps you can take.The most important one is to ask periodically for a copy... Read More

Credit Card Debt: One Way To Avoid It

One of the biggest problems people have in these modern times is Credit card debt, and worst is USA. Simply because there have always been so many laws and regulations before you could... Read More

5 Ways To Prevent Credit Card Late Fees

Paying a credit card late fee is the same as throwing your money away. Late credit card payments can also hurt your credit score. The payment tips and strategies here will show you... Read More

7 Consumer Credit Laws You Should Know if You are Trying to Repair Your Credit

There are seven consumer credit laws you should be aware when dealing with your credit.1. The Truth in Lending ActThe customer had to be told the true cost of borrowing, so they could... Read More

Top 5 Reasons To Check Your Credit Report Regularly

#1 Make sure mistakes aren't hurting your credit.Reviewing your credit report can help you avoid costly errors. In one recent study, more than 50% of the credit reports checked contained errors. Other studies... Read More

Consumer Credit Reports

A consumer credit report is a factual record of an individual's credit payment history. It is provided for a purpose permitted by law: to help a credit grantor or lender quickly and objectively... Read More

Sound Advice For First Time Credit Card Users

If you are just entering the world of credit cards, there is important information you will need to know in order to manage your credit and your finances effectively. Establishing good habits and... Read More

How to Improve Your Credit Rating

So you got into debt, had problems but you got yourself back on your feet through hard work and sacrifice and how are you rewarded? A Bad Credit Rating.You would be forgiven for... Read More