By Mercedes Bailey
Having hassle understanding the place your cash is going? need assistance with credits, making an investment, and different monetary prone? This advisor offers every thing you must get your self into monetary health and wellbeing. transparent directions and plans make an generally dry and complex topic effortless to appreciate. start to observe your monetary objectives, at the present time.
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Extra info for Cliffsnotes Managing Your Money
Determine to use one card with the lower interest rate for large purchases because you probably cannot pay off the balance in one month, and the other, with the higher interest rate, for smaller purchases because you will pay off this balance each month. The two-card system works best when you know that you’ll be making a major purchase. Perhaps you know that you Chapter 5: Getting Credit (Where Credit Is Due) 57 need a refrigerator or you want a better stereo system. These are big-ticket items, and you probably don’t have ready cash available for the purchase.
You’re up to the limit on one or more credit cards. ■ You struggle to make your car payments. ■ You have been late paying the rent, mortgage, car loan, or other major bill. ■ Late fees and bank charges for insufficient funds eat into your available cash. ■ Every unexpected expense becomes an emergency, and you don’t have money to deal with it. Chapter 4: Dealing with Debt 47 If you recognize yourself in several of these scenarios, the time has come for serious adjustments. As a money manager, you need to use your debt-reduction tools, which include reducing your spending, increasing your savings, and developing an action plan to reduce your debt.
This directory lists the banks that offer low rate/no fee cards. ■ Grace periods: Some cards begin to charge interest from the date of each purchase; others begin to charge interest from the date of expected payment. Again, shop around to find a card that offers a longer grace period. ■ Cobranding: More and more credit cards are partnering with airlines, gasoline companies, and financial institutions to give customers incentives to use their cards. Some cards give frequent flyer miles on a particular airline for the dollar value of purchases made with the card.