The average bill for phone, Internet and TV runs more than $150 a month, according to market research firm, the Mintel Group. One way to trim your costs is to cut the cord and switch to a phone service that delivers calls via the Internet. Consumer Reports recommends a phone service called Ooma.
A lot of things that can ding your credit score. One of the worst is paying your bills late. What about having too many credit cards? Will that hurt your score?