What with the economy still grinding along in hopes that someday someone will spend some money again, it's easy to think to yourself "I'm never going to borrow any money ever because that way I can't get into trouble."
That might not be the best solution to your own personal financial
concerns, though. You may need to get a new car, or upgrade your
housing, or refinance your loan, or possibly, you might want a credit
I know, I know: you're thinking 'Nope, no way, I'm not going to borrow
money because that's stupid, I'm going to be like those Flemish people
who never had credit and their civilization lasted 100s of years.' (I
just now made that up, so it's weird that you and I both thought that
But trust me: you might want to borrow money again someday, and when you
do, you'll want to do it SMART -- like by making sure you're getting
the best possible interest rates on your loan.
Here's how most people choose their credit cards now: filling out an
application they were mailed or got at the ballpark. (Really? Most
people DO NOT do it that way? It's just me?) But those same people (me)
could instead go and check out loan rates at sunrisefinance.com
and quickly search through a variety of credit card offers to find the
card that's right for them. Maybe they want rewards, or cash back, or
no interest balance transfers -- whatever special treatment you want,
sorting through the credit card companies in advance can be a smart
Or car loans -- how many of you simply rely on the dealer to find you
the best loan? (I'm holding up my hand.) Why do that? The dealer
doesn't care -- they're not lending you the money, they just want to get
paid. So instead of going into a dealership, picking a car, and then
asking them to find you a loan, you could go to the dealer having first
FOUND A LOAN on Sunrise Finance, so you know exactly how much you'll be
paying and how much you can spend.
Nice, right? I thought so.
So don't just swear off borrowing money forever. If you have to borrow,