Tag Archives: Tips

Credit Card Debt Reduction Tips: 3 Great Ways to Save Big

If you are suffering from credit card debt, you’re not alone. Credit card debt is growing at an alarming rate, as more and more people find their balances getting larger and larger. But you really can achieve significant debt reduction by following some very simple strategies.

The problem, of course, with credit card debt is that interest can accumulate rapidly. This can result in larger monthly bills, which can lead to late payments, which in turn can result in even higher interest rates.

This spiral can quickly get out of control. The key to achieving credit card debt reduction is to break this spiral and begin to pay down your debt. The following are three ways to do just that.

1. Never Pay a Credit Card Late Fee

Late fees have been increasing by leaps and bounds lately, and grace periods having been getting shorter and shorter. Make sure you always pay at least your minimum payment on time. If you are absolutely unable to pay even that, then call your credit card bank and alert them. You might be able to buy yourself some time.

If you are late with even a single payment by as little as a day, there is a very good chance the bank will raise your interest rate, often by 50% or even more. Over time, this can can add up to charges far more significant than the 30 or 40 dollar late fee.

If you do miss a payment, then make sure and call your bank as soon as possible afterwards. Many banks will waive the fee if you asks them to, especially if you have a valid excuse (like you were ill or out of town). But in any case, get them to waive the fee, for this will most likely spare you from having your interest date raised and possibly save you hundreds of dollars or more.

2. Get Your Credit Card Interest Rate Lowered

If your credit card interest rate is too high, call your bank and ask them to lower it. Odds are, you could find a lower rate elsewhere, and your bank knows this. So call their bluff. Tell them you can get or have been offered a lower rate, and ask them to match that rate. If they refuse, all you have lost is a phone call. But if your request is reasonable (don’t ask them to drop your rate to %5), there is a very good chance they will lower your rate.

3. Get a New Credit Card

If your bank refuses to lower your rate, simply search for a lower rate card and transfer your balance. There are plenty of banks out there eager to accept balance transfers. Furthermore, even if you have made some late payments, thus causing your rates to rise, the odds are your credit rating hasn’t been affected. Banks usually alert credit bureaus when payments are significantly late (by like 30-60 days). If your credit rating remains unscathed, there should be nothing stopping you from finding a card with a lower rate and saving lots of money in the process.

If you utilize one or all of these methods, make sure you use any money you save to pay down the balance on your cards. Pay off as much of your balance as you can, and in no time, you will be free from the burden of credit card debt.

Scott Russell is a writer, consultant, and editor of debtconquest.com, where you can find information on credit card debt elimination, bankruptcy help, and debt relief strategies.

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12 Tips To Manage Your Money And Personal Finances

12 Tips To Manage Your Money And Personal Finances

► http://raikenprofit.com/100amazingitems

In this video Steve shares with you 12 tips to manage your money and personal finances. Personal finance and financial planning is one of the most important areas when it comes to wealth management and growing your nest egg.

In this video you will learn about the importance of bookkeeping, budgeting, reading your credit card and bank statements, tracking your income and expenses, investing in your education, and much more.


Stefans Spreadsheet – http://projectlifemastery.com/how-to-manage-your-money-for-financial-freedom/




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Identity Theft Prevention Tips

< iframe size=" 425 "elevation =" 355" src=" https://www.youtube.com/embed/6dOEkB3fLt0?rel=0 "frameborder=" 0" allowfullscreen > Identification theft is among the fastest expanding criminal offenses in The U.S.A. as well as millions are taken advantage of yearly throughout the country.
This functions as a suggestion to our neighborhood to take preventative measures to secure your identity. There are numerous good resources offered online. People can additionally see our Glendale Cops internet site for identification burglary info at www.glendaleaz.com/police
On top of that, we wish to remind our people to not leave prized possessions or personal determining info in their vehicles while at parks. Burglars have the tendency to target automobiles in parking area while hikers and runners are utilizing the tracks. Never provide a chance for burglars by leaving your valuables in your car!
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Tips To Get The Best Home Refinance Interest Rate

You know that you want to go through and get the lowest home refinance rate, but how are you going to do it? That’s the biggest problem that most homeowners have is they already know they want to make the best home refinance interest rate but they are just not sure of how to go about it. This is a major process one that you aren’t going to want to take lightly and which you’re going to want to take very seriously.

To find the best home refinance interest rate, there are a few steps that you’re going to have to take, and which will be discussed here in more detail for you.

How to do it

So there are some things that you’ll want to keep in mind when it comes to getting the best home refinance interest rate. First and foremost, you’ll need to do some shopping around. You can never get a great deal unless you’re going to be willing to put some time and effort into it, so make sure that you spend some time shopping around to compare between the different rates.

Also to obtain the best home refinance interest rate, you’ll want to know how to play the rate game. You should realize that mortgage rates go up and down and so the best way to play the game is going to be for you to determine what your desired mortgage interest rate is.

Basically what you want to do here then, if you want to get the best home refinance interest rate, is to persevere until the best rate comes to you. Never settle for second best if you need to reap full advantages of refinancing your home. One of the biggest mistakes that homeowners make is rushing into the process of refinancing their home and they end up making mistakes.

There are numerous of different websites that you can check out online which will actually do all the comparison work for you. All you have to do is go onto their site, enter in some personal information regarding you and your home, and they will then present you with the top results of the best rates available at that time. These sites are usually free and very helpful and efficient when it comes to finding the best rate for refinancing.

Want to find out more about for home refinance interest rate , then visit http://www.homepropertyfinancing.com/ on how to choose the best refinance interest rates for your needs.

Redfin Chief Economist Nela Richardson discusses how interest rate increases affect your mortgage.
Video Rating: / 5

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Tips Ask For A Lower Bank Card Interest Rate

how exactly to obtain less bank card rate of interest

Did you previously make an effort to talk to your credit card issuer to lessen the interest price? Since they will likely not volunteer to reduce your interest if you don’t require it. Here’s how exactly to request to your credit cardholder to lessen your interest.

For more bank card guidelines see http://www.badcreditresources.com

Additionally examine our bad charge card reviews http://www.badcreditresources.com/bad-credit-credit-cards.html
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TOP TIPS for LOWEST PRICES on auto loans – by Kevin Hunter

Kevin Hunter is a broadcast Host associated with the company Forum Show, and contains spent hours and hours researching and publishing products to assist automobile purchasers. Furthermore video clip, you will discover “13 automobile purchasing Mistakes – exactly how Car dealers rip you off”
Kevin Hunter normally the blogger and author of “Is that the most useful you certainly can do?” on Kindle and Amazon, and credits the unfavorable environment into the car business for inspiring him to create their incredible guide on company. Simply take his advice seriously.

With either Good Credit or Bad Credit, you continue to deserve the most effective interest you be eligible for on a car loan. Steer clear of the numerous auto dealership and vehicle finance scams on the market.

Need suggestions about how to produce a great future available along with your company? Get a hold of our book “is the fact that most readily useful can be done?” available now on Kindle on Amazon.

Simple tips to pull an assortment from your credit history free of charge. Credit History Recommendations


Do you need to learn how to pull selections from a credit file at no cost? View this now. Here is the no. 1 mistake produced by prospective homeowners on their credit file, then because of the mistakes they generate to their credit file they come to be renters again for decades. Don’t start attempting to improve your FICO score or credit report without seeing this. Never pay any collection in your credit file as a quick term strategy to enhance your credit score!

How-to remove selections from a credit file free of charge?

We have seen it repeatedly whenever consumers genuinely believe that they would like to clean up their credit history. They start by paying off old selections and devastate their credit report and FICO score for a year or even more!

Do not fall sufferer to this, discover ways to remove selections from a credit file free-of-charge today and commence correcting selections on the credit rating forever.

This is your monetary report card. Succeed a it could be now, so that your credit score has time for you to heal before your following loan application. Always be prepared! and watch How to pull selections from a credit report 100% free these days!

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