AcharyaCenter.com - How To Guides, Tips and Resources

Credit Card Savings

0 like 0 dislike
106 views
posted in Finance by Tabooccaneer
Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something that you come across. If you have excellent control on your finances then good for you. If you have a hard time managing your credit card, then these pointers can help you.

Get organized

First thing's first, obtain your credit card records to have a better idea of your spendings. Be sure to double check the records for errors and ensure its accuracy. A good example would be to find out if you have outstanding debts that should not be there as well as the accuracy of the listing of your former and present address.

Evaluate your credit card

Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which they charge annually since some have very high membership fees. Consider cancelling this if you are not using it frequently.

Pay on time

It is important to pay your bills on time since it can have a negative effect on your credit record or rating. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.

Manage your debts

If you see that you have more debt than what is comfortable, think ahead and plan out how you will repay it or at least reduce your debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not bring your credit card always when you go around since temptations abound.

Don't bite more than you can chew

As the saying "don't bite more than you can chew" goes, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but its price tag may mean paying a lot for the next months. If you are bent to save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.

Please log in or register to reply to this post.

Related posts

0 like 0 dislike
0 comments 127 views
10 Tips To Improve Your Credit Score

These days most of us avail loans to buy a house, set up a business, or buy a car. Many students take loans to further their education. How soon the loan is sanctioned, the rate of interest, and the amount sanctioned will all depend on your credit score which is ... . All you need to do is to sit down and curtail expenses, plan you income-expenditure , and avoid spending what you have not earned.

image
posted in Finance by Celestiger
0 like 0 dislike
0 comments 214 views
3 Ways To Get Approved For A Business Credit Card

If you run your own business--whether it's a retail store, direct sales, hobby shop or freelance consulting--chances are you've thought about getting a business credit card. It's probably a good idea, since it makes it easy for you to separate your business ... seconds to a month. To find business credit cards online, do an Internet search or check the websites of major credit card companies.

image
posted in Finance by Tomatoad
0 like 0 dislike
0 comments 162 views
5 Ways To Instantly Increase Your Credit Card Limit

A lot of credit card holders aspire for a higher credit card limit. But: credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or their bank. Here are 5 ways ... that your performance in the records of banks and credit card companies will determine whether you'll get a higher credit card limit or not.

image
posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 1,283 views
5 Things You Should Know About 0 APR Credit Card Offers

If you have received one of these offers in the mail, you know how tempting they can be. They claim that you will pay no interest on any purchases or balance transfers in the first period of owning your card. But there are some things about these offers you ... your loan balance will help you pay off the balance without interest, but it will not remove the damage already done to your credit.

posted in Finance by PositiveVoid
0 like 0 dislike
0 comments 187 views
5 Things You Should Know Before Submitting Instant Approval Card Applications

At the rate how mailboxes are bombarded with credit card offers, it's probably amazing for anyone not to have considered these cards at least once. Nonetheless, credit card companies now make it even easier for consumers to apply for a credit card through instant approval ... . With the recent spat of identity thefts, it is wiser to be safe than sorry, especially when it comes to credit cards.

image
posted in Finance by HuggingDuck
0 like 0 dislike
0 comments 205 views
5 Easy and Quick Ways to Improve your Credit Score

Your Credit Score is one of your biggest financial assets. If your credit score is high, your borrowing rates will be low and therefore save you hundreds of dollars. The big mystery is how to maintain a high credit score. Well if you want to either maintain ... a credit score monitoring service, it will protect you from fraud and help inform you of ways to increase your credit score when needed.

image
posted in Finance by DreamBaby
0 like 0 dislike
0 comments 120 views
7 Options To Consider When Taking Out A New Credit Card

How many times have you taken out a credit card based purely on its current interest rate or balance transfer option? You may be surprised to note there are at least 7 elements worthy of consideration when you take out a new credit card. To judge a new credit card ... Don't just pick the card with the longest balance transfer period or lowest interest rate as it may cost more in the longer term.

image
posted in Finance by BunBunny
0 like 0 dislike
0 comments 177 views
Tips To Apply For A Credit Card

Filling out a credit card application is just like filling out a job application-everyone needs some tips to use so that they get approved. If your credit is bad, then it may be a little more difficult to get a credit card than if you have good credit. Do not give ... bill comes in that you can make the payments. If you are not completely sure, then don't get a credit card until you are ready.

image
posted in Finance by Oystrich
0 like 0 dislike
0 comments 105 views
No Fret Family Budget

For some, the idea of a budget is often a blur. It is frustrating to see how hard it is to do a budget and realizing that with one wrong purchase, you can actually ruin the entire thing. And this has been a perennial headache for most homemakers. It is ... you do it, just focus on the end result, which is building a savings that leads to a bright and financially stable future for your family.

posted in Finance by vachikgrat
0 like 0 dislike
0 comments 315 views
Secrets of keeping to the family budget

The high cost of living in today's society, wherever you may be, has made budgeting a priority among families. In today's inflationary world, nothing is more important than knowing how to wisely spend the meager income that you get. Financial problems usually arise due to ... 4. Think twice before you buy something. By doing this, you will realize that it is not really a necessity but a whim.

posted in Finance by HairyMagpie
0 like 0 dislike
0 comments 24 views
Gas Saving Tips

The price of gasoline is on the rise. This is truly a great concern if you are following a tight budget. So how can you save some money on gas? Read these tips. The carpool system This is a great idea for employees and students alike. Since all of ... you can do to save on gas. Gasoline is not a renewable resource, therefore using it wisely is very important to conserve this valuable commodity.

posted in Finance by Mosquiche
0 like 0 dislike
0 comments 308 views
TAKE CHARGE OF YOUR FINANCES: TIPS ON BUDGETING

With prices of commodities increasing day by day it is proper to make your very own strategic plan on maximizing your financial resources and making sure that every penny earned is well spent. Make your move on coordinating your finances and list of ... a considerable amount of wealth and income resources, you can not afford to disregard this recommendation and go ahead with your practice.

posted in Finance by PlaySeal
0 like 0 dislike
0 comments 184 views
how-moms-save-money-for-their-family-budget

Budgeting is truly the turf of most mothers. Aside from the traditional role imposed on mothers as the one who budgets the family finances, mothers have the instincts and foresights on what might happen in the future. But how do moms really stretch the budget? She ... and expenses. She makes sure she does not exceed. Also, she has no time for checking out tempting stuff at the shopping mall.

posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 61 views
We are Family: Budget Tips for Today’s Familial Ties

If you are in charge of creating the family budget, chances are, you've had the unfortunate experience of having a brilliant budget plan that isn't executed well. This happens to many families and couples, and with a little attitude tweaking, you can solicit the help ... as grouping together activities into one car trip. This way, you can save a lot on time and even on gasoline and car expenses.

posted in Finance by MagicalCyborg
0 like 0 dislike
0 comments 55 views
Budgeting For Emergency Funds?

Emergency funds are considered to be a necessity as far as financial security is concerned, since it can provide one with financial resources that one can resort to and depend on when an emergency arises such that when one is sick and have the burden of paying huge medical bills ... This way, you achieve your goals in savings and at the same time put in funds for emergency use. It's your choice.

posted in Finance by Knighthawk
0 like 0 dislike
0 comments 382 views
How to Avoid Dumb Investment Mistakes

Smart people sometimes make dumb mistakes when it comes to investing. Part of the reason for this, I guess, is that most people don't have the time to learn what they need to know to make good decisions. Another reason is that oftentimes when you make a dumb mistake ... can do without a degree in accounting or finance, a computer, and a spreadsheet program (like Microsoft Excel or Lotus 1-2-3).

image
posted in Finance by Falconjurer
0 like 0 dislike
0 comments 718 views
How to Save Money--And the Earth?

You just can't get that memo right, can you? You print out the first draft and find a misspelling. You print out the second draft and discover you missed some commas. You print out the third draft and later decide on a new title. Now the final ... offers a Recycle for Education program that gives $1 to local education charities for every empty inkjet or toner cartridge you recycle in their stores.

image
posted in Finance by Knighttime
0 like 0 dislike
0 comments 752 views
Accept Credit Card In Your Business

Should you accept credit card in your business transactions? Many small companies or home-based businesses avoid doing so because of their concern over fees and expenses that may drain away potential profits. Yet the actual cost of implementing credit card payment ... next level of sophistication by applying for a merchant services account so you can accept credit card in your business payments.

image
posted in Business by BouncyOracle
0 like 0 dislike
0 comments 384 views
A Credit Repair Agency – What Can It Do For You?

A credit repair agency advertises that it can help you repair bad credit so that you will qualify for that loan you need to buy a new car or take a vacation. However, you do have to be careful when engaging the services of one of these agencies because many ... charge of your finances, your credit rating will soon start to rise. Do you really need a commercial credit repair agency? Probably not.

posted in Finance by FrighteningTwinkles
0 like 0 dislike
0 comments 1,192 views
3 Things To Look For In A Credit Repair Company Online

If it's been a while since you've looked at your credit report, you may be surprised to find errors, mistakes, or even a black mark or two. Fortunately, a Credit Repair Company can help you fix those mistakes and erase those black marks. Watch out for ... the Better Business Bureau. They'll have records of any formal complaints against the company, so you can avoid scammers and rip-off artists.

image
posted in Finance by Monkeyno
0 like 0 dislike
0 comments 172 views
Accepting Credit Cards Over the Phone

There has been a huge growth in the number of cold calls, and unsolicited offers that people receive on their home and business phones. The process can be very intrusive and frustrating and is the subject of a growing number of complaints. Many of these calls come from ... that you would like to be dealing with. Finally, look at the address carefully and make sure that it all appears above board.

posted in Finance by ForceSoldier
0 like 0 dislike
0 comments 184 views
A smart way to manage credit cards

Credit cards are a great way to help you to control your finances. It's true that occasionally we may make poor decisions with our money, while other times the events in our life can take us beyond what we want and we are sadly left holding the bill. ... Reduced interest rates will ultimately increase the amount of money you keep and a fixed amount due every month will help you plan your budget.

image
posted in Finance by MagicalCyborg
0 like 0 dislike
0 comments 1,210 views
Estimating the Cost of Your Cruise Ship Vacation

When it comes to planning a vacation, many families are concerned with the cost. Whether you consider yourself to be middle class, lower class, or upper class, the cost of your vacation is often of great importance. If you are spending your next vacation aboard a ... just like to know where your money is going, there are an unlimited number of ways to estimate the total cost of your vacation.

image
posted in Travel by GreedyPig
0 like 0 dislike
0 comments 130 views
Discount Cruise Ship Vacations: Do They Exist?

In today's society, we live for deals, discounts, and other savings. If given the opportunity to save money, just about everyone would take it. The need to save may be apparent in your daily shopping habits. Many shoppers, maybe even yourself included, ... obtain discount cruise ship tickets. Why avoid cruises altogether or pay full price for a reservation that can be obtained for a discount?

image
posted in Travel by LoyalChief
0 like 0 dislike
0 comments 106 views
Cruise Ship Vacations on a Budget

Millions of individuals and families wish to take a vacation; however, many are financially unable to. If a vacation does occur, it is often a visit to a local amusement park or campgrounds. These small vacations often occur because individuals limit themselves. ... discounts are both great ways to obtain the needed financing, but together they can save you more money than you ever imagined.

image
posted in Travel by Butcherry
0 like 0 dislike
0 comments 1,229 views
How to Get the Lowest Airfare Possible

Everyone knows that air travel can be expensive and we are all looking for ways to get it a little cheaper. With all of the added fees and such, there is little left to the imagination of the extreme costs that come with this form of travel. There are ... . Using a direct link to the airline these sites will search the best possible packages to make sure that you get only the lowest fares.

image
posted in Travel by Mosquiche
0 like 0 dislike
0 comments 182 views
How to Save Money On Organic Food?

Grow your own The cheapest method has got to be to grow your own. The great thing is that it doesn't require you to have much garden space, or even a garden at all! We grow tomatoes, and strawberries in containers and the extra benefit is that ... the options above you should be able to make considerable savings whilst you and your family sample the delights and advantages of organic food.

image
posted in Food by PerfumedNecromancer
0 like 0 dislike
0 comments 288 views
Money Savings on Food

Thinking of cutting down your expenses on food? Then you should read the following tips. They will surely help you on reducing your food expenses. They are by no means comprehensive but they will be very useful. For coffee drinkers It is a good idea to re-use the ... options you can choose from. Take time and consider your choices so that you will not only eat a lot but save some money also.

posted in Finance by GreedySmile
0 like 0 dislike
0 comments 47 views
EFFECTIVE MONEY SAVINGS TIPS

Saving is your best defense against bankruptcy. It insulates you from possible financial loss and gives you the ability to expand your finances and create a money-generating business machine that will help you earn extra. Your potential to flexing your base income is ... celebration will be there to stay so you need not make some leeway budget on them and save them should situation not arise.

posted in Finance by Butcherry
0 like 0 dislike
0 comments 198 views
A Guide To Credit Card Debt

When talking about credit card debt, the effects of debt depend upon such factors as the sources of loan funds, the purpose for which borrowing is done, the terms and conditions under which the debt is floated, the volume of the existing debt, the ... interest rates. If the financial institutions get tax exemptions for their loans, this will tend to encourage the purchase of their securities.

image
posted in Finance by UncleRhino
0 like 0 dislike
1 Comment 250 views
How To Avoid Credit And Charge Card Fraud?

How To Avoid Credit And Charge Card Fraud?

image
posted in Finance by BeautifulWolf
0 like 0 dislike
0 comments 493 views
7 Tips To Help Reduce Your Debt

As debt continues to increase in many households across America, more families each year are finding themselves looking for ways to reduce their overall household debt. For some, this may be easier said than done. Debt reduction requires a lot of hard work and ... spending habits to help tremendously. Financial counselors can also show you how to better manage your money, and stick to a budget.

image
posted in Finance by GiftedWrecker
0 like 0 dislike
0 comments 69 views
How to Save Money and Avoid Temptations

Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their ... these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.

image
posted in Finance by SilentTrooper
0 like 0 dislike
0 comments 23 views
“Starting Young: Teaching Teens to Save Money”

Parents mostly complain that teenagers do not listen to them. The opposite is true when it comes to advice regarding 'money matters'. Teens actually welcome their parent's input about their finances. In the past few years, teenagers have earned billions of dollars ... that they like. Monitor the stocks together and this would give them another option of investing their money in the future.

posted in Finance by HistoryYak
0 like 0 dislike
0 comments 290 views
"Essential Money Saving Tips for Students"

It is easy to get caught in the rush of things when you are in college. In the midst of studying, part-time jobs, socializing and extracurricular activities that you have, you are most likely to forget one of the most important things, which is straightening ... on luxury items, following your budget plan and saving for financial emergencies that you are most likely to get as a college student.

posted in Finance by Monkeyno
0 like 0 dislike
0 comments 33 views
Self-Discipline And Saving Money

A great way to save money is to be aware of the fact that one has the power to define the state of his finances specifically through a conscious effort of disciplining the way one spends and controlling one's expenditures. Self-discipline will most definitely be the ... of imagination, some creativity and a lot of self-discipline will take you a long way in keeping hold of your hard-earned money.

posted in Finance by Dragonig
0 like 0 dislike
0 comments 272 views
Self-Control and Saving Money

Self-control is one of the many virtues that is something that can be learned by each and every person. And learning it will prove to be very significant in the way people handle their finances. Possessing a sense of self-control somehow helps people to put aside money ... life similar to what he does. In this way, self-control will seem very easy when you see that others are actually doing it.

posted in Finance by Octopixy
0 like 0 dislike
0 comments 125 views
“How to Save Money for Tuition Fees”

As soon as their child is born, parents can start saving up for their children's college education. With tuition fees climbing up yearly, it is better to have a sound financial plan so that it would not be difficult for you to send your kids off to college ... of the funds by investing them in low-risk bonds to ensure that you will get to have enough for them to start their college education.

posted in Finance by ShowDolphin
0 like 0 dislike
0 comments 333 views
Tips on how to Save Effectively in Banks

Many of us think that putting our money in the bank is a secure and wise way of saving. Yes, this is true if we are wise in dealing with banks. Banks are not charitable institutions, these are profit-driven entities which charge different kinds of fees and ... is not only the benefits such as annual returns which you should consider, you should always think about the costs involved in the process.

posted in Finance by GrizzlyFlash
0 like 0 dislike
0 comments 56 views
Cutting your Kids' Schooling Costs

Whenever the school season is just around the corner, there's only one thing that parents are thinking about - the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and ... and simple means can assist you in this endeavor. The benefits will eventually add up to bring a brighter future to your children.

posted in Finance by VoyageHooper
0 like 0 dislike
0 comments 324 views
Tips on How to Cut your Medical Expenses

There is no such thing as a free lunch. Moreover, there is no such thing as free medication. Some time or another, all of us will need medical treatment. Whether it would be for simple colds or for serious illnesses, these things would hurt us and burn our pockets ... can really dig a hole in your pocket. Try to be wise in your medical transactions and more importantly, take care of your health.

posted in Finance by BeautifulWolf
0 like 0 dislike
0 comments 328 views
How to Save Money on Gifts

Giving gifts does not have to be spendthrift. As the old adage goes, It is the thought that counts . This goes to show that people can start cutting back on gifts that would cost them hundreds of dollars. It is best to opt for things that may not be that expensive ... most is that you have thought of the person on that very special day and that's enough to make them feel they are special to you.

posted in Finance by FrighteningTwinkles
0 like 0 dislike
0 comments 128 views
Saving Money on Electricity: A Money-Saving Maintenance

An electrical appliance that does not work at maximum capacity results in less than ideal performance and higher electricity bills. That is why it is best to save on electricity in order to save more money. Here is how you can get everything saving up: 1. Keep your ... . This will not let the warm or cool air out, and vice-versa. Indeed, saving on electricity will definitely save more money.

posted in Finance by Wallaby
0 like 0 dislike
0 comments 307 views
High-low Numbers: Tips on Saving Money on Clothes

Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a price - you choose. Buying clothes these days is always a choice between the designer-made outfit or those cheap but quality items that ... for the quality. Nowadays, you just have to be practical. Better spend your money on more important things than those designer clothes.

posted in Finance by Falconjurer
0 like 0 dislike
0 comments 349 views
Tips on Saving Money during the Holidays

With the hype that holidays usually bring, people always have the tendency to buy more and spend more without taking into account the consequences that their actions can bring. Hence, it does not necessarily mean that because it is the holidays you have all the reason in ... shopping for the holidays can be fun, but you don't have to be spendthrift. Nowadays, you really just have to be practical.

posted in Finance by Emufasa
0 like 0 dislike
0 comments 300 views
Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it's getting harder and harder to stretch that dollar. With all those bills that you have to ... of your bills can definitely allow you to save more money. You just have to be wise on your home and everything that you have in it.

posted in Finance by Celestiger
0 like 0 dislike
0 comments 52 views
Extra Money for Your Extra Time

Earning extra money for your future, that is definitely not a bad thing! However, is it an easy thing? One definitely wants that for a stronger foundations for the future, but how can you manage? Saving Money One of the better ways to have a more secured ... of your extra earnings and savings, in the long run, your part-time job will definitely help do wonders to your plans in the future.

posted in Finance by PositiveVoid
0 like 0 dislike
0 comments 294 views
Save So You Can Bank on a Bright Future

Have you reached the point when merely looking at your bank statements you get a headache already? You might find your records out of place. You might even find yourself lost as to your current status and accounts. However, this is not a point for you ... bank. Some also give special offers for a certain period. Simply know your options and study the information carefully before making a decision.

posted in Finance by OpinionOwl
0 like 0 dislike
0 comments 54 views
Tips on How to Save Money on Transportation

Prices go higher every year, especially the cost of gas. Transportation is one big factor that makes the household budget difficult to cover all your expenses. Here are some guidelines to help you save money from transportation: 1. To save money, you must always ... bus or the subway to save gasoline. You can also save time by ignoring the traffic that you encounter everyday on the streets.

posted in Finance by TrustyKitty
0 like 0 dislike
0 comments 334 views
Tips on How to Save Money When Shopping

Shopping is very addictive. Most of the time, the household budget is sacrificed once you go shopping. Shopping should not give you headaches as long as you know how to budget. Here are the things that you need to remember: 1. Always remember to spend your ... may vary depending on the season of the year. These stores can be located in large shopping areas like in malls and shopping galleries.

posted in Finance by SleepyFledgling

Share Tips and Guides

Add text, links, images, videos and documents

Submit Post

926 posts

24 comments

0 comments

28,700 users

Most popular topics

# selfhelp | # money | # parenting | # vacation | # kids | # cruises | # allergy | # security | # relationships | # babycare | # depression | # elderly-care | # coffee | # budget | # creditcards | # cooking | # education | # credit | # drinks | # us-news | # cars | # crafts | # dating | # games | # quotes | # politics | # hobbies | # reviews | # shopping | # gifts | # healthcare | # marketing | # addiction | # sports | # life | # blogging | # safety | # advertising | # clothing | # entertainment | # website | # success | # movies | # photography | # sales | # arts | # painting | # drawing | # dogs | # communications | # vehicles | # stress | # biking | # jobs | # college | # sleep | # science | # ecommerce | # home-schooling | # domains | # data-recovery | # trading | # affiliate | # debt | # leasing | # celebrities | # government | # dinner | # family | # vacation | # hurricane | # customer-service | # renting | # laws | # holidays | # wedding | # bikes | # auctions | # fishing | # music | # yoga | # school | # happiness | # autocare | # gambling | # career | # security | # realestate | # interior-design | # world-news | # gardening | # careers | # apartments | # petcare | # investing | # workout | # divorce | # contractor | # mortgage | # cartoon |
Connect with us:
...