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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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The transaction date is the date on which there was some activity on the... ...more
This recession may be on an upswing (or it may not) but we all know that it is not yet over. You may yet be facing a tough economic situation, whether through denied credit or the loss of a job. If you are a parent, you are going to have to figure out how to tell your children the news without frightening them. Here are some tips to help you help your children understand this recession. …more…
13th August 2009 at 10:03 pm
(7 Votes, Average: 4.43 out of 5)
Loading ...My husband and I just took a large portion of our emergency savings to pay for some automobile repairs. A car payment for a new car is out of the question. We decided that the best thing to do was pay for the repairs with our emergency money. After all, that’s what the savings account is for - emergencies.
It was difficult for me to let go of that money, though. Seeing that hefty balance in our savings account made me feel secure and happy. Watching the account being depleted by about half made me nervous. What if we need that money for something else? …continue reading…
29th June 2009 at 5:21 pm
(4 Votes, Average: 3.00 out of 5) Loading ...Have you ever bought something on impulse and then decided a few days later that you made a big mistake with the purchase? I know I have. More times than I want to think about. I’ve learned a few tricks that might help you control your impulse-buying monster.
First, always keep your receipts. This means for everything you buy, whether you pay by cash, credit card, or debit card. Keep an envelope especially for receipts, and as soon as you come home with a purchase, put your receipts in this envelope. You might already have a filing system where you keep your monthly receipts. It doesn’t matter where you keep them. Just make sure you can find them when you need them. …more…
24th June 2009 at 3:40 pm
(2 Votes, Average: 4.50 out of 5) Loading ...You might feel deprived when you start trying to get your spending under control. If you’re used to doing or buying certain things, and all of a sudden you can’t, you might resent the idea of leading a frugal life. Finding new ways to manage your finances will definitely take some adjusting, but it doesn’t need to be painful.
When my husband and I started cutting back on unnecessary expenses, I have to admit that I fought back at times. I loved going out to restaurants. We both worked hard, so didn’t we deserve a meal that someone else fixed? I loved good deals on earrings and other jewellery. Just one pair of earrings couldn’t affect our finances much, could it? I couldn’t imagine not planning a vacation or two every year. Isn’t it practically mandatory to take a vacation every year? …read more…
18th June 2009 at 4:25 pm
(4 Votes, Average: 3.75 out of 5) Loading ...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 ...Sometimes when we find good ways to manage our finances, we stick with them no matter what. It’s easier to just go month to month following the same methods we’re familiar with because then we don’t have to think too much about what we’re doing.
Finding effective approaches to our money management can help us find our way out of difficult financial situations. We shouldn’t stop here, though. Always look for better and smarter ways to manage your money so that your finances continue to improve.
This doesn’t mean you need to spend hours every week scrutinising your financial plan and searching online or in newspapers, magazines, and books for even the smallest bit of financial information. Improving your money management methods and skills is something that you can keep in the back of your mind all the time so you can be alert to any new advice, suggestions, news, and other financial information when it comes your way. There’s nothing wrong with searching for additional information, but it’s not something you need to spend a huge amount of time on once you’re in a good routine. …more…
10th June 2009 at 3:33 pm
(3 Votes, Average: 3.67 out of 5) Loading ...