There’s been times in my life when I’ve been totally against credit cards. You can probably guess that with that attitude I’ve probably had some credit card problems- and you’d be right. It’s so easy to use them and get into debt when you aren’t earning enough money to make the payments on the cards. It becomes a nasty vicious circle.

I gave up on credit cards for a long while but I got one again about 7 or 8 years ago. Before I got one I made sure to read sites full of credit card advice . Now we only use our cards when we absolutely have to, or when we know for sure that we can pay the bill.

If you want to learn more about credit cards, you can go to Credit Cards GB, the sponsorer of this post, and read their credit card news. They even have listings of a number of different types of credits cards that you can use including ones with 0% balance transfers. So pop over there and get some advice and find out which card is right for you.

I know that many of you are looking for ways to save money and keep more of it in your current accounts - am I right? You’d rather spend your extra money on your kids or family I’m sure than pay extra bank charges or higher rates.

I know I feel that way and I can’t be the only one out there that does. I just found a site called the Thrifty Scot and while it’s aimed more for people living in the UK the tips and links on the site can be used by most everyone. I’m sure if I apply some of the advice that I found on the site I’ll end up with more money in our savings accounts.

Wouldn’t you like to find out how to get credit cards with lower rates so that you can keep your savings in your bank accounts rather than paying extra user or interest fees? I even found information on the site on how to help protect yourself from credit fraud. And speaking of credit cards, rates and possibly debts - if you are in need of a loan or information on getting loans you’ll find some great links that will lead you to places offering lower loan rates, and information on getting a loan in the loans section of the Thrifty Scot.

Of the many links on the site I found the sections on home insurance, and the areas that discussed mortgages and remortgages most helpful at this time. We just renewed our mortgage but when it rolls around again I’ve got some new information up my sleeve.

Check out the Thrifty Scot if you are in the UK or if you just want to find ways to save some money on things we all need and use - like home insurance, loans, mortgages, and credit cards.

I found a great site for those of you who might be looking for new credit cards, or wanting to establish a credit rating.

Check it out you can search for Credit Cards. Compare all kinds of credit cards, and credit card rates and find the card thats right for you.

You can find a credit card that will help you establish or re-establish your credit rating at the Credit Card Search Engine. You can find every thing from Low Interest, Cash Back, Airline miles, Rewards, business, student and credit cards for bad credit. You can even apply safely and securely online. Try it out if you’re looking to get a new credit card.

I just discovered a company that I wish I’d known about a few months ago. If you make long distance calls you might be interested in Pingo International and Prepaid calling cards too. You see we had boarders from Brazil and Korea for a few months and these cards would have been very useful if only I’d known about them.

Well, I just thought that you might be interested in these International prepaid calling cards because you can use them to make long distance calls to over 35 Countries. You’ll even get $5 USD in free calls just for signing up. Visit the site and see all the options you’ll have. If you prefer, you can use a Pingo calling card with your mobile phone. The mobile phone rates are actually very good and that’s a huge bonus because I’m sure you know how expensive it is to make long distance calls on your cell phone with your provider. Mine’s expensive anyway.

One feature that I like is that there’s no more inputting huge numbers into the phone before you can make your call because you’ll have Pinless dialing with Pinpass.

Purchase your calling time with your credit card and then Pingo will provide you with your own unique Personal Identification Number (PIN) and a toll-free access number. Once you have your PIN you’re ready to start using Pingo and saving on long distance calls. You can even use a service called auto-charge that automatically refills your calling card when it reaches $5 USD. Plus you’ll also be able to check your call history and billing online.

As I said, our boarders were from Korea and Brazil, if they had cards when they were living here one could have called South Korea using a pingo card and the calling card rates would have been as low as 2.4 cents per minute. The Brazilian boarder would have got rates as low as 2 cents per minute!

Pingo International and prepaid calling cards are perfect for you if make long distance calls. See for yourself, check the calling card rates to other Countries.

Also, if you have a website you can sign up for Pingo’s affiliate program and earn some extra cash when someone signs up for a Pingo International and prepaid calling card. They’ll even give you a free phone card just for joining Pingos residual income affiliate program.