WHERE ARE YOU AT?

You have three destination points in your financial journey.

1) Financial Stability - the indicators of financial stability will show you that the road is a long journey in financial discipline.  It starts with saving as the force behind any financial endeavor.

2) Financial Security - the word security quickly brings to mind safety and protection. In a financial context, it is about how to grow and protect your money and manage your risks.

3) Financial Independence - is when you have arrived!

Get the details in the book, Destination Points, A Values-Driven Journey. Your compass to reach your destination.

                                                      Photo credit The Sarah Palin Channel

For most of us, a majority of holiday expenses very likely were charged to credit. Review your billing statements promptly and should there be any disputed transactions, they must be reported within 60 days of the statement date on which the error appeared.

What to do

1. Contact the merchant. 
2. If you fail to come to a resolution, escalate the process by filing a written report with your credit card issuer within the 60-day window.
3. Send your letter with supporting documentation i.e. copy of sales receipt via certified mail to the proper address for dispute resolution and not to the address where you normally send your payment.

What to expect

Your card issuer is obligated to investigate the dispute, acknowledge your complaint in writing within 30 days of receipt and resolve the dispute with the merchant within two billing cycles but not more than 90 days. Most credit card issuers  remove the charge until the matter is resolved. You may also choose to withhold payment of the disputed amount pending investigation.