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(4.80 out of 5)Credit card and finance computations can make your head spin, we have developed common calculators to assist you.
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Household income refers to the total income, before taxes and other deductions... ...more
My husband and I got into a terrible mess with credit cards. We didn’t understand how we were supposed to use them, and before we realised how much trouble we were in, it was too late. Credit cards can be a very useful financial tool, but you need to know how you shouldn’t and shouldn’t use them.
Our biggest mistake was not thinking about how long it would take us to pay off our purchases. We only thought about the minimum payment we would need to make and failed to figure out how many months (or years) it would take to pay off the entire amount. All we were thinking was that we wanted it NOW!
Sometimes we have big-ticket emergencies and are short on cash. As long as our emergencies don’t include the latest fashions or an expensive trip we decide to take on a whim, credit cards are a good way to survive those unexpected difficulties. We have readily available money and can pay off the balance with small, affordable payments. …more…
16th June 2009 at 5:04 pm
(3 Votes, Average: 4.33 out of 5)
Loading ...Question: I purchased something online with my credit card and never received the item or the item was faulty or not as described. What can I do? …more…
15th June 2009 at 10:33 am
(3 Votes, Average: 3.33 out of 5) Loading ...Most of us love to help others, so when someone we care about asks us for money, we immediately want to give them as much as we can. Although generosity is a wonderful virtue, it may not always serve you well when it comes to money.
Lending money to someone in your family or a friend can become much more complicated than it first appears. When banks lend money, it’s strictly a business deal. You borrow the money, they tell you how much the payments will be, and when your payments will be due. You know that your bank doesn’t care how much or how little money you have every month. If you fail to make a payment, you will have consequences to deal with. …more…
9th June 2009 at 8:20 pm
(4 Votes, Average: 3.50 out of 5) Loading ...How much information do you tell your friends and family about your finances? Do they know how much your salary is? Do they know what bills you have to pay? Do they know the state of your bank accounts?
I’ve been in circumstances where telling others about my financial situation ended up helping me. And I’ve been in circumstances where it was a disaster. Personal finance is often a touchy subject. You have to determine how much information you should reveal, and most importantly, who can be trusted with that information. …read on…
4th June 2009 at 1:38 pm
(4 Votes, Average: 4.00 out of 5) Loading ...Not many people can resist a good deal. It makes us feel good to save money when we make a purchase, especially when we we’re trying to turn our finances around. Grocery coupons, restaurant specials, and discounts when we use a certain credit card all sound like good ways to save money, but this isn’t always the case.
Years ago I thought I had to use every grocery coupon I had. Otherwise, I’d be missing out on some big savings. My husband and I get numerous coupons for local restaurants, and we would go out to eat more than we should so we made sure to take advantage of the great deals. A department store near us advertises that when we use their store credit card, we can save an additional 10% off the regular and sales prices. I would combine this “special” 10% savings with their “biggest sale of the season” for unbelievable (or so I thought) savings. …continue…
2nd June 2009 at 5:19 pm
(3 Votes, Average: 3.67 out of 5) Loading ...When my husband and I started on our new financial journey, we were hesitant at first, and then we became very enthusiastic about saving money and finding new ways to manage our money. After a few months, though, we started to slide back into our old ways. We weren’t keeping track of our spending like we should, we stopped checking our account balances, and we made a late payment. We learned that although managing our finances was easier after making some changes, we still had to be diligent about sticking to our new ways of doing things.
It’s important to realise that no one is perfect, especially when it comes to finances. Everyone makes mistakes. But we had to learn that there’s a difference between making an honest mistake and doing something just because that’s what we’re used to doing. We knew what we needed to do. We just didn’t do it. …continue…
28th May 2009 at 4:44 pm
(3 Votes, Average: 3.67 out of 5) Loading ...