Find out more about personal finances and how you could save up enough money to enjoy life. Perhaps you are in a bad financial situation right now, but if you know the right things to do, you could transform your income into a great investment. These tips should help you get started.
Pay down your most expensive debt first. For many consumers, the best way to earn a return on their money is to cut down credit card debt. Even if you could be lucky enough to earn five percent in a CD, your money is better spent paying off that maxed credit card that charges you 14.99 percent.
If a person is not using their old textbooks that they may have from previous semesters or years of school these books can often be returned for a nice bonus to ones personal finances. This boon of money that came from an unused source can be a nice chunk of money to save away.
Think about getting rid of your landline. If you?re like most people you don?t even use your ?regular? phoneline to make the bulk of your telephone calls. If you don?t need the landline, get rid of it. This will keep money in your pocket and chances are you won?t even miss the landline.
A good personal finance tip ? that can help you save money ? is to purchase groceries, so that you can cook more meals at home. Eating out can get expensive, especially when you do it a lot. Cooking meals at home, instead of eating out, can save you a ton of money!
A major indicator of your financial health is your FICO Score so know your score. Creditors use the FICO Scores to decide how risky it is to give you credit. Each of the three major credit bureaus, Transunion, Equifax, and Experian, assigns a score to your credit record. That score goes up and down depending on your credit usage and payment history over time. A good FICO Score makes a huge difference in the interest rates you can get when buying a home or car. Check out your score before any major purchases to make sure it is a true reflection of your credit history.
Before signing a lease agreement, talk to your future property management about the privacy policies. Many places require social security numbers and many other personal pieces of information, but they never explain how this information is stored and kept safe. Stolen identities are on a sky high rise in the past decade and without proper safekeeping from the management company, yours can be next.
Don?t fall for the refund anticipation loan scam. Refund anticipation loans are marketed by tax preparers and loan a person money for the approximately two-week period between e-filing and receiving a tax refund. The ?gotcha? here is the huge fee the tax preparer charges for this service, which can represent an effective interest rate of 50% or more.
Get a better checking account. Many people stick with the checking account that they?ve had for years, even though that account is charging them hefty monthly fees. Find out what fees you are being charged at your current bank and make an effort to find a checking account that charges you less, so that you can keep more of your own money.
To be sure you are on top of things, you should use a tool to keep track of what has been paid and what is still outstanding. Make sure that you either, choose a point in time to manage this or refer to it frequently, in order to verify that you have not left out any important bills that require payment during that time period.
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