Financial guidance for financial independence

Content, resources and services to help people make smarter decisions with their money in route towards financial independence (FI). Intelligent portfolio and real estate investing. Simplified financial guidance and protections.

online resources

credit card comparison

I love the credit card rewards game. When used responsibly (which of course you are doing), certain cards can provide you some major perks in return.  Magnify Money provides a great breakdown of the best cash back cards on the market.  Make sure to hit the "Show Details" option at the top when inputting your spending habits.  This will provide you the best bang for your spending buck.

For a broader comparison of credit card perks (travel perks, low interest, etc.), lean on Nerdwallet to help you find a card that strikes your fancy.  Through the link below, simply select the category that you enjoy most, then filter through the rewards stratosphere and dial in on those cards that will best suit you.  Easy does it!

Credit report

Not all free credit report services are free.  There are usually strings attached in the form of offering a free trial period followed by monthly payments, or with the intention of collecting your personal information for future mailings and/or offers.  The only website authorized for you to obtain your free annual credit report with no strings attached, and from terms set by the Fair Credit Reporting Act (FCRA), is AnnualCreditReport.com.  You have the option to either obtain your report online or via mail.  Your actual credit score will cost you $8 extra, but FICO scores are readily available as a value add by most credit card companies so this is usually an unnecessary extra.

WalletHub is a newer service that I love.  They provide your credit score and a rundown of your credit report, all free of charge.  In addition to this, they also present you with an easy-to-read credit analysis and a timeline of your credit history.  This is pretty cool stuff if you're a numbers geek.  Take note that there are some offers promoted on the main dashboard, but these are very easy to absorb for what you get in return.