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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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Revolving credit means that a lender agrees to extend you a specific amount... ...more
Automatic payments can be a great way to make sure your monthly payments are paid on time and you avoid late payments and any penalties. You still need to be diligent about balancing your checkbook, though. My husband and I thought that once we had set up most of our payments through our bank’s automatic payment service, we were home free. We hardly looked at our balance all month. Our paychecks were deposited automatically, the majority of our bills were paid automatically, so there wasn’t much left for us to do. Right? WRONG!
I can tell you that not paying attention to your automatic payments can land you in a big mess. We had a large monthly payment set up through our bank’s automatic payment program. I guess I should say we THOUGHT we had the payment set up through our bank’s automatic payment program. The payment was never actually set up correctly. I’m still not sure where we failed, but the end result was a nightmare. …continue article…
17th May 2009 at 5:21 pm
(3 Votes, Average: 4.33 out of 5)
Loading ...When my husband and I spent money without thinking how our purchases would affect our financial situation, there was no need for us to be creative. If we saw something we liked, we bought it. If we thought we could use something, we bought it. There was no comparison shopping or trying to figure out a cheaper way to do anything. We would set our sights on what we wanted, and that’s what we got. Deciding to be frugal can really start your creative juices flowing, and saving money will seem more like a game than a restrictive lifestyle. …continue…
13th May 2009 at 12:19 pm
(3 Votes, Average: 4.33 out of 5) Loading ...When you’re trying to get your finances in order, there will be some days that you’ll be overwhelmed with everything you want to do. My husband and I came up with so many ideas of how we could change our money management techniques that we didn’t know where to start. We found the best thing for us to do was to take it one week at a time.
My husband and I started by writing down all the ideas we had for saving money. If you decide to make a list of ideas, remember that you’ll never really be done with your list. Once you get started with your new financial life, you’ll think of more ideas to add later on, so make sure to keep your list handy. …more…
12th May 2009 at 10:20 pm
(3 Votes, Average: 4.33 out of 5) Loading ...Part of the reason my husband and I were in such a financial mess was the way we misused credit cards. Once we got our finances under control, we learned that we could use credit cards to help save money.
If your credit rating is decent, you probably get offers for 0% interest credit cards in the mail. Or maybe you get offers for low interest rate credit cards, with rates at 3.99% or lower. The next time you get one of these offers, take the time to read the details of the offer. It might be just what you need. …read on…
8th May 2009 at 7:25 pm
(3 Votes, Average: 4.33 out of 5) Loading ...There are a lot of people that run in the opposite direction when they hear the word “budget.” I used to be one of them. Budgets don’t have to be scary things. You just have to make sure you keep them uncomplicated and easy to work with.
One thing I’ve learned through this whole financial journey is that unless you know where your money is going every month, your financial situation won’t get any better. I tried for years to go without having a budget, and the result was always the same: disaster. We spent more than we earned every single month. The worst part was that we had no idea where most of the money went. …read more…
6th May 2009 at 6:19 pm
(3 Votes, Average: 3.67 out of 5) Loading ...Most of us today would answer “Yes!” to this question. There are some pretty frightening things going on in the economic world right now, and we want to protect ourselves from becoming one of the statistics. Whether you’re in a fairly comfortable financial position or barely hanging on every month, there are ways you can improve your personal finance situation. And, considering the state of the world’s economy today, this is something we can all stand to do. …continue…
3rd May 2009 at 1:35 pm
(2 Votes, Average: 4.00 out of 5) Loading ...