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It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can in fact play a significant role in helping a person reduce or get out of debt.
What Is A 0% APR Credit Card?
APR is the annual interest rate known in industry jargon as the Annual Percentage Rate. It is a reflection of the cost of credit. In the old days everybody paid a standard APR based...(read
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Accidents and prolonged sickness can be a drain both emotionally as well as financially. Sometimes money crunch is caused by the inability to hold a job, or when the medical bills escalate and it becomes increasingly difficult to balance expenses.(read
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For all you debtors out there, in the last article we had discussed how one can use the Self Repayment method, the debt settlement method and the debt consolidation method, to reduce and pay off your debt.(read
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Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily, weekly and/or monthly and aid you in reducing expenses where needed.
1) Accept the fact you are in debt and forgive yourself. If you are in denial, you are more likely to repeat the pattern.
2) Reduce monthly expenditures. For example, once the price of gas increased, our monthly gas costs went from roughly $200 to ...(read
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Maybe a shoe box under the bed or a drawer stuffed full of receipts and statements has been enough to get you by in the past, but if you’re serious about getting ahead with your home loan, it pays to get organised.(read
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Is credit card debt driving you crazy? Spent too much this holiday season?
Well, you’re definitely not alone. Credit card debt is a way of life these days. Especially now, right after the holidays!
For many people, money gets REAL tight this time of year – we need to pay for all the holiday gifts, get ready for tax season…
Ahhhh!
What can you do if debt has taken over your life?
Make getting out of debt your New Year’s Resolution for 2006!
Here are 5 simple ...(read
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Here you're going to learn several ways to save money every month by lowering your monthly bills.
There are lots of ways to save money, no matter how much of it you have - or don't have!
Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage.
All you need to know is where to look to find the savings.
Several Ways To Save Money...(read
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Do you have too much debt and cant make your monthly payments or just pay minimums? You could be heading down a road to a financial crisis. Here are some warning signs that you may have a debt problem.(read
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It is easy to fall into a debt trap. If you want to survive and reach even keel where your financial well being is concerned, you must consolidate your debt. The crux of the matter is that all your debts, loans, credit card bills, and mortgages are all clubbed together into one single loan.(read
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There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you’ve seen? Here are top 7 FAQs to finding the right credit card:
1. Are You a Student?
If you are, then you’ll be better off with a student card. Your application is likely to get accepted without problems. It would be best to contact the bank where you have your student account before you do anythin...(read
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