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An Artist’s Guide to Starting a Home Business
Getting started with a business can be rather overwhelming. For many artists, it's difficult to pin down a point when the gnawing need to create artwork actually becomes a profession. Someone innocently asks "How much would you charge for a...
Oh, to be as a child!
OH, TO BE LIKE A CHILD.
Did you ever look at a child, so young, so innocent to life, yet a virtual WEBMASTER when it comes to setting the remote for the T.V.? When using a computer for example, they are often limited in lessons, nowhere as...
Organize Your Office and Improve Productivity
Are you frustrated with your office space? Do you hunt for a pen
every time you put one down? Is the search for documents a
half-day event? Is your paper filed chronologically - working
your way down the pile to 'one week ago' and unable to pull...
Taxpayer Casualty Guide: Preparing for a disaster
What would you do if a natural disaster struck your home? It's a
question that weighs heavily on everyone's minds, especially
with the recent events that have made headlines in the last few
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Watch Out For Fake Ebay Escrow Scammers
Thankfully, online auction scams don't happen very often. But
when they do, it causes distress, anger and serious concern
amongst the eBay community.
But before we all panic, let's just remind ourselves that the
vast majority of eBay users...
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Getting a credit card is a big responsibility
Owning a credit card can be quite an advantage. Whether making online purchases, booking an air ticket or a hotel room on the phone or simply being in need of some emergency cash, having a credit card can be a big help. However, getting a credit card is also a huge responsibility and if you don't keep an eye on your spending habits, credit cards can create some serious problems. Here is an excellent list of tips on proper credit card use and if you follow these, you will likely stay out of trouble and your credit card will be a blessing instead of a curse:
1. When you make a purchase with the credit card, it is akin to taking a loan from your bank. What you have borrowed has to be returned - so do not borrow beyond your capacity to pay it back.
2. Always be aware of your outstanding credit card balances. This will help you determine whether you can make additional purchases. Even small purchases can really add up to big balances and substantial interest charges.
3.Any credit card receipts should be kept until you can compare them to your monthly statement. If you find any purchases you did not make, or higher charges than those on the receipt, contact your credit card company immediately.
4. don't give your credit card to anyone, not even friends and family. Its not that you cant trust these folks but it would be really difficult to track purchases if you are not the only one making them.
5. don't ever borrow more than your ability to pay it back. If you do and consequently arent able to pay it back, it can hurt your future ability to obtain other forms of loans such as home mortgages, car loans etc.
6. Pay your credit card bills on time or even before they are due. Doing so will not only help improve your credit scores, but also help avoid additional costs associated with late payment charges and accrued interest.
7. Try to have your credit card bills paid in full every month. To ensure this, budget your credit card purchases on a monthly basis and then don't allow your purchases to exceed that amount.
8.Keep your credit cards for new purchasing. don't pay one credit card bill with a different credit card. This will inevitably lead to more charging and higher balances.
Connie Gutchrif is the President of FN Credit - An excellent resource for information on credit. To learn more, be sure to visit: http://www.fncredit.com Getting a credit card is a big
responsibility
Owning a credit card can be quite an advantage. Whether making online purchases, booking an air ticket or a hotel room on the phone or simply being in need of some emergency cash, having a credit card can be a big help. However, getting a credit card is also a huge responsibility and if you don't keep an eye on your spending habits, credit cards can create some serious problems. Here is an excellent list of tips on proper credit card use and if you follow these, you will likely stay out of trouble and your credit card will be a blessing instead of a curse:
1. When you make a purchase with the credit card, it is akin to taking a loan from your bank. What you have borrowed has to be returned - so do not borrow beyond your capacity to pay it back.
2. Always be aware of your outstanding credit card balances. This will help you determine whether you can make additional purchases. Even small purchases can really add up to big balances and substantial interest charges.
3.Any credit card receipts should be kept until you can compare them to your monthly statement. If you find any purchases you did not make, or higher charges than those on the receipt, contact your credit card company immediately.
4. don't give your credit card to anyone, not even friends and family. Its not that you cant trust these folks but it would be really difficult to track purchases if you are not the only one making them.
5. don't ever borrow more than your ability to pay it back. If you do and consequently arent able to pay it back, it can hurt your future ability to obtain other forms of loans such as home mortgages, car loans etc.
6. Pay your credit card bills on time or even before they are due. Doing so will not only help improve your credit scores, but also help avoid additional costs associated with late payment charges and accrued interest.
7. Try to have your credit card bills paid in full every month. To ensure this, budget your credit card purchases on a monthly basis and then don't allow your purchases to exceed that amount.
8.Keep your credit cards for new purchasing. don't pay one credit card bill with a different credit card. This will inevitably lead to more charging and higher balances.
About the Author
Connie Gutchrif is the President of FN Credit - An excellent resource for information on credit. To learn more, be sure to visit: http://www.fncredit.com
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