Credit Cards: Always make your payment on time!

Always make your payment on time!

You should always pay it off in FULL every month, as well. You always want to make your credit card payment on time, and within the payment amount, if not more. Credit cards will take your purchase amount and usually divide that by 12 ( months in a year) and then they will add the APR (Interest). You want to pay MORE than the recommended amount that they bill you for because this is the MINIMUM AMOUNT. If you continue to pay the minimum amount, most will end up going to your Interest, and not to your prime (actual Payment)

Use your Rewards!

Each credit card has different rewards ( some NOT all). Do your research. Some have rewards on everything from insurance to flight and hotels, and even gas and groceries. Whether you have Visa, Mastercard, Discover, or American Express. You want to make sure that you reap the benefits and use your credit card at these places. A good example is if you AMEX ( American Express) gives you discounts for fuel points, then its recommended you use that card for filling up your tank quite frequently. This will gain you rewards and perks. The same thing goes for FFM ( Frequent Flyer Miles). If you purchase many flights, and travel a lot on your Discover card, then eventually, you will have XXXX amount of miles to use towards your next trip! Essentially, a free flight!

Don’t Overspend!

Try and use the card for necessities only. A credit card needs to be used efficiently and carefully. Frivolous spending will lead to unfortunate debt. these golden tools should be used in emergency situations only, such as filling up your tank when your gas light comes on. Consider the card as a small little personal loan to yourself, and then try and pay the entire amount off as soon as you can to keep those APR fees at bay!

A few more tips:
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Keep your spending reasonable!

Try and remain under 30% of your total credit line that they’ve given you. This has proven well for many people/ Try and keep your utilization (spending) under that mark and your rates wont go up, and you wont incur late fees, and best of all you can take pride in knowing that you will be able to pay the bill when it comes. For example if you limit is 1,000, try and keep you spending at under 300 dollars. This will ensure you that you still have the funds left should you need them and your payment will remain relatively low and attainable. This in turn eventually, will grant you increases on limite.

Why Do Gold Bars Make Good Investments?

Gold bars may seem as though they are investments from another time, but they are investments for the modern age where there is not much security for anyone. This article explains how someone may make the most of their time investing by buying gold bars as much as possible. Collecting gold bars will become more than a hobby, and they will provide a level of security that the average investor will never find on their own. Consider how much one gold bar is worth, and look at how many you may find over the years.

#1: Are Gold Bars In Production?

Gold bars are in production in the modern day, and they are used often to ensure that all money is protected after a purchase. Someone who puts them money in gold bars will find it simple to save because they know gold will not lose its value, and they will continue to buy gold bars knowing that the price cannot get any lower.

#2: Keeping Or Storing Gold Bars?

Gold bars are often purchased from purveyors who have their own storage facilities. They are merely selling the future on gold, and they will keep the bars for the customer. The customer may sell the bars back to the company at any time for a profit, and someone else will buy that bar again for their own investment.

Buyers who keep their gold bars must find a proper bank or bullion storage facility that will protect their bars. They are of high value, and they cannot be left unguarded. Anyone who wishes to hold onto their bars may do so, but they do so at their own peril. They are taking a risk that is not necessary, and they should not take it lightly.

#3: Using Gold Bars For Sale

You may sell the gold bars you own at any time, and they may be sold at the peak of their value to ensure you make the most money without any problem. You may find a broker who is willing to sell at the exact time that is right, and you will find they are quite helpful as they will handle the sale for you. They do all the work, and you are sent all the profits for the sale. It is simpler to allow the broker to do the work, and you will receive the same profits in either case.

#4: Gold Bars Are A Status Symbol

You may use gold bars simply because they are an indicator of status. You may not realize how much your gold bars mean to others if they see them or hear that you have invested in them, and it is quite important that you are using them in a way that helps you. You will earn money from their sale, and they will help you look your best when others learn about them.

Personal Finance

If your personal finances are a mess, it time to regain control.  If your personal finances are okay, then no like the present for a checkup to keep things on point. With proper financial planning, even if life throws you a curveball, you can come out without major damage. That’s what planning is all about. If you commit to reinventing the status of your personal finance, you’ll come off smelling like a rose.

Assess Your Current State Of Financial Affairs

Before you can improve your personal finances, it is important to understand your current state. You must assess where your money is going and to uncover the spending patterns of your family as a whole. Completing this evaluation will help you see where changes and improvements can be made. You might find out that you are on the verge of spending more than you earn. On the other hand, you may see that you have sizeable discretionary income that go directly into a saving account.  The point is, to successfully manage your money, you must know how much you have and where it’s going.

 Determine Future Financial Goals

With your assessment complete, it time to figure out where you want to be financially, long term and short term. Goals must be set and actions must be taken to reach those goals. For example, you may want to increase the amount you have in savings, cut down on debt, save a down payment for a home or start a college fund for a newborn. It is a good idea to determine long time and short term goals. Beefing up savings may be a short term goal and saving for college may be a long term goal. Establish your goals as a family and write them down in order of importance.

Make A Plan To Achieve Goals

It’s been said that a goal without a plan is just a dream. Since you can’t dream your way to a solid personal finance state, it’s best to create a plan or roadmap for reaching the first goal on your list. One way to do this is to establish a budget that allows for monthly amounts set aside to achieve the goal.

Manage Your Budget

Of course, budgets can be hard to manage, but they are great tools for staying in control of your finances. In fact, this simple tool helps you track the progress made towards the goal. You can see setbacks and achievements. A monthly review of the budget helps keep you honest about your finances. Every month, you should use your budget outcomes to evaluate cash flow and progress towards the financial goal. If you didn’t meet your targets, you can easily see what went wrong and make the necessary adjustments.

Personal finance can get out of control unless you set goals and develop a budget plan for meeting those goals. Planning and living within your financial means with a workable budges eliminates a lot of money worries.

Right Financial Decisions


Most people are so busy with work, school, relationships, and everything that life has to offer, that they hardly have any time to spare to attend classes on finance or money management. Since knowing how to manage one’s money is a basic skill that everyone should have, we have made it possible for you to learn all you can about money while meeting all your other busy schedules.

Our goal is to provide helpful information on a regular basis to help you make the right financial decisions so that the money you make now can serve you now as well as in the future.

What You Can Look Forward To

If you choose to become part of our team, we will:

  • Write relevant content on our website to help our readers to overcome financial challenges and make use of any opportunities that may arise.
  • Help you to assess your financial needs, guide you on when and how to make an investment, educate you on taxes, and respond to all your queries and questions on insurance.
  • Teach you how to come up with short and long-term goals in areas such as education, mortgages, and retirement, and how to achieve the set goals.
  • Be your number one resource with regard to all financial matters

What We Do Not Do

Since we are all about money and people get excited when talking about it, here are some things you should not expect from us:

  • We do not promise you financial success overnight
  • We do not advise people to bend the law, let alone break it
  • We do not share false information in a bid to excite you into making a certain decision
  • We will not treat you as if you know everything about finance or nothing about it
  • We will not ask you for private financial information

What We Hope To Achieve For You

Regardless of whether you consider yourself to be an expert in matters of finance or not, we hope that our relationship will encourage you to make sound financial decisions every day. Knowing how to handle money and handling it in accordance with sound knowledge is a benefit to you and the people around you, both now and especially in the future.

Matters of managing money are not easy to implement, especially if someone is used to spending money without a proper plan. However, no obstacle will stand in the way of your financial goals if you approach the content we send you with the willingness to change and an open mind.

Debt is one of the worst four-letter words that can be used to describe your financial situation. If you are in debt or are living a lifestyle that is forcing you into debt, we hope to help you to change the course you are on and start working towards financial freedom.

In Essence

Financial freedom is not a state that only the wealthy people can reach; it is a lifestyle that anyone with any income can adopt. With your determination to change or improve how you handle your finances coupled with the invaluable information we will share with you; getting out of debt and attaining financial freedom is well within your reach.

Therefore, make it your responsibility to visit our website as often as you can, to see what you can continue doing, change, or adopt.