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7 Ways to Reduce Credit Card Debt and Control Spending
By Jason Larkins Owning credit cards is a good way to build a credit history and enjoy convenient payment options. However, this convenience comes with some risks. It’s often tempting to whip out these cards on a whim when something strikes our fancy — especially when it’s something we can’t afford if we had to pay for it in CASH. Therefore, to ensure you don’t approach your own “fiscal cliff”, it’s important to control how and why you spend. Here … Continue reading
Posted in Personal Finance
Tagged cash, credit card balance, credit cards, credit history, reward program, shopping list, spending limit
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Is There Such A Thing As Bad Debt?
By Steven Lee The word ‘debt’ is enough to make some people quiver with fear, but is it really that bad? After all debt has been around for thousands of years because people have always wanted or needed things they cannot afford to pay for in full at the time. Even back in the days when people traded with livestock rather than money, a system of credit existed. Many people consider all debt to be bad but fail to realise … Continue reading
Posted in Personal Finance
Tagged bad debt, business loans, credit cards, debt management, good debt, mortgage, student loans
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US Credit Card Usage vs The Rest of the World
By Michael Edmondstone It’s no secret that we Americans have a passion for plastic. Efficient and convenient, we use our cards for everything from paying our rent to buying that $2 cup of joe on the way to work. And while credit cards do have their advantages, they’ve gotten a bad rap over the past five years as one of the leading contributors to our national and personal debt; they are the third largest cause of household indebtedness, after mortgages … Continue reading
Strategic Credit Card Use Could Make that Overseas Vacation Finally Affordable
The combination of cold weather and an advantageous exchange rate between the Dollar and the Euro, is, if nothing else, a recipe for dreams of spring and summer vacations taken overseas. While you might assume that such dreams are bound to go unrealized given the still-high costs associated with this type of trip, there
Posted in Personal Finance, Travel
Tagged credit card exchange rates, credit cards, exchange rates, money exchange, Travel
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5 Simple Ways To Save Money
Debt and bankruptcy have the effect of doing a great job of teaching one about financial discipline. I’m not the greatest student, but that fact hasn’t discouraged my teachers. They have never given up on me. Whenever I thought my finances couldn’t get any worse, they have been there to help me. This has been the case in a large number of areas of my life, and has been especially true in the case of personal finance.
Posted in Personal Finance
Tagged bankruptcy, credit cards, debt, EMIs, financial behavior, financial discipline, frugal, keep the change, save money, saving tips, thrifty
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Ways To Battle Rising Credit Card and Debit Card Fees
Times are tough and there are fears of another recession hitting the US economy and the European market. Consumers are afraid and have stopped spending their hard earned money. Meanwhile, big banks are crafting on ways to milk money out of customers that are already pushed to the wall with high health insurance premiums, gas and no increase in salaries. Consumers are presently outraged that bailed out banks using tax payers’ money would even think of raising fees. The banks … Continue reading
Posted in Personal Finance
Tagged bank account, bank fees, checks, convenience fees, credit cards, debit cards, minimum balance, waive fees
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