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When you see a 0% APR credit card, you should realize that it is a promotional offer. The credit card is using it to draw new customers. This isn't a bad thing, but it means that you need to know when the promotional period will end.

One of the most helpful credit cards, especially for someone who wants to get out of debt, is the balance transfer credit card.

Just signing up for a cash-back credit card does not mean you will get the most cash rewards possible. There are some important strategies to milk the most cash from them.

With the help of balance transfer credit cards it's possible to break the cycle of high-interest payments, since all of your payment goes toward reducing your debt.

If you've ever looked at your credit card statement and wondered how it adds up so quickly, the answer might be in your gas station habits.

The problem many people face when booking a mid-winter southbound trip is that they have still not paid off all the Christmas expenses. So a little extra holiday can plaster a brand new debt on top of what has already accumulated on the credit card.

You see, it's the thought that counts. The more you make, the more thought goes into it. The more you buy, the less thought goes into it. I don't generally give cards, but when I do, they are all hand-made.

I take the time to get a card that says something I like. most of the times I am looking for something outrageously funny :) But I hear you Dave! Homemade takes time and effort, and just the fact that it was homemade speaks volumes.

When many of us think of investments, we think of stocks and bonds, and other "traditional" investments. However, few of us think of paying down debt as an investment in future financial success. This is a mistake. One of the best things you can do for yourself is to pay down debt -- especially high interest credit card debt -- as soon as possible.

How would you like to earn gift certificates and prizes for searching the web? Well you can with Swagbucks. See how it works in our Swagbucks review.

The Aeroplan rewards program is arguably the most popular (and reviled) loyalty program in Canad

But there are ways you can be frugal for Mother's Day! Keep reading and you'll see some easy ways you can celebrate mom and be frugal as well. You might even get extra points with mom for creating something on your own that was heartfelt.

A home made card goes a long ways! So does breakfast in bed!!