Credit is what makes it possible to make purchases without having to spend large amounts of cash. Personal loans and credit cards make good options for those who are faced with unexpected expenses or planning to make major purchases. But which one is better to use depends on a number of factors. You would not want to get stuck with an overrated repayment scheme if there is a … [Read more...] about Personal Loans Versus Credit Cards: Tips on Smart Spending
credit cards
Do You Have These Bad Spending Habits?
It's time for a quick quiz, folks. The end of the month is here, and Christmas is just around the corner. If you celebrate this holiday, you know very well just how expensive it can be! As such, there is no better time than now to take a quick look at your spending habits and see if you have a bad one or two that you have to get rid off. Oftentimes, it takes an outsider … [Read more...] about Do You Have These Bad Spending Habits?
Ways to Use Your Credit Card Correctly
Everyone and their mom has a credit card these days. Indeed, in my circle of friends, I think that I am the only one who has only two cards. Most of my friends have at least three! This does not mean much, except that I cannot afford to have more than two - indeed, I should only have one, as it is very easy to overuse credit cards. Credit cards are quite convenient and … [Read more...] about Ways to Use Your Credit Card Correctly
What should I do to get rid of credit card debt?
Credit card debt can easily balloon and go out of control - anyone who has had to deal with this problem will tell you that. The only real solution that you have to get rid of credit card debt is to make sure you make more than the minimum payment required monthly. If you can pay off the whole thing in one go, it will be even better for you. The issue now is where to get the … [Read more...] about What should I do to get rid of credit card debt?
How to Pay Off Your Credit Card Debt FAST
The maxim that "credit cards are evil" may not be true per se, but anyone who has experienced being in the quicksand called credit card debt will know just how awful it can be. When used responsibly, credit cards can be very useful. However, once you start accumulating credit card debt, you might be surprised at how easily things can get out of control. If you are already … [Read more...] about How to Pay Off Your Credit Card Debt FAST