A credit card can be a convenient method of payment when you do not have cash but using it too much may incur plenty of charges. Here are some tips on how to leave your credit card charges to a minimum:
1. Shop around for the best deal. Look out for waivers on annual and joining fees for the first year.
2. Make cash advances with your credit card as a last resort as the finance charges and fees can be very expensive.
3. Make your payment before your statement's due date to avoid paying finance and late payment charges.
4. Try to settle your outstanding balance in full to avoid finance charges and be aware of the consequences of paying the minimum amount all the time.
5. Limit the number of credit cards based on your needs and payment capability
6. Be alert of changes to the policies and rates.
Personal Finance, Planning and Management to Wealth Creation
At Clic Finance, you are not going to find any get-rich-quick schemes nor multi-level marketing things for wealth creation. Instead, I will be sharing the information on personal finance knowledge and related topics.
I am personally love to acquire knowledge and skills in personal finance hoping to find answers to deal with debts, how to get out of it fast and how to manage loans to wealth creation and so on.... I could said there are people who get rich quickly, but the fact is almost anyone can get rich slowly and patiently.
In your journey to wealth creation, Don’t become obsessed with money and wealth. Always Remember! Money does gives you more options, but happy and balanced life makes your life worth living. Having lots of money does not guaranttee/mean your happiness in life. You happiness come the moment you receive the services or values that money can bring you.
Learn to have a balanced happy life in wealth creation with proper saving, investment strategies and spending planning.
May be by now you are asking youself: "How I am going to start or achieve it?"
It's simple, Take your actions now and remember failure is ok. A thousand mile journey always start with the 1st step. The sooner you determined to start moving toward your goals, the easier they are to reach. Everybody makes mistake, the important point here is, have you learned anything from it. Every mistake encountered makes you stronger and get closer to the door of success. It would be better to fail once than you have never tried it.
Lastly please note that everything you read here is my own informed opinion. Never believe everything you read, and always form your own conclusions.
Thank You.
I am personally love to acquire knowledge and skills in personal finance hoping to find answers to deal with debts, how to get out of it fast and how to manage loans to wealth creation and so on.... I could said there are people who get rich quickly, but the fact is almost anyone can get rich slowly and patiently.
In your journey to wealth creation, Don’t become obsessed with money and wealth. Always Remember! Money does gives you more options, but happy and balanced life makes your life worth living. Having lots of money does not guaranttee/mean your happiness in life. You happiness come the moment you receive the services or values that money can bring you.
Learn to have a balanced happy life in wealth creation with proper saving, investment strategies and spending planning.
May be by now you are asking youself: "How I am going to start or achieve it?"
It's simple, Take your actions now and remember failure is ok. A thousand mile journey always start with the 1st step. The sooner you determined to start moving toward your goals, the easier they are to reach. Everybody makes mistake, the important point here is, have you learned anything from it. Every mistake encountered makes you stronger and get closer to the door of success. It would be better to fail once than you have never tried it.
Lastly please note that everything you read here is my own informed opinion. Never believe everything you read, and always form your own conclusions.
Thank You.
Friday, August 14, 2009
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