By Peter Sanders
It has been said that those who write their financial goals down are more likely to succeed. With this in mind, you will want to begin your financial journey with a well-rounded wealth of solid financial information.
Start out by setting goals for yourself on a weekly or on a monthly basis. When you set financial goals, you will be more likely to keep track of your spending and savings. In short, it is the easiest ways to keep yourself accountable and on top of your finances. You can keep a small notebook and pencil in all your transactions or invest in software that allows you to do this on your computer. You can also check out a few books on the subject and learn how to create your own budget that is specific for you and your family’s needs.
Next up, if you are deep in credit card debt, you will want to address this issue. Instead of letting credit cards control you, you will want to control your debt. Start out by calling your current credit card companies to see if you are eligible for lower interest rates. If you are, then you will be able to get ahead financially with the lower rates. If not, then it may be time to consider transferring to a new credit card. Make sure the interest rate is low enough that it will be worth it and that the transfer fees are low enough that it makes financial sense. You will also need to start paying above the minimum payment. If you are only making minimum payments, you will basically be running in circles instead of getting ahead.
Try not to have more than one credit card at a time. When you have multiple cards that you use on a regular basis, it is easy to lose track of how much you are spending, and dig yourself deeper into debt. Instead, use the lowest interest rate card that is available to you. Also, if you do have multiple cards, try to zero out the balance on all but one, just don’t shut them down. Shutting down credit cards can actually hurt your credit card. Instead, pay them off and put them away.
As you begin making these changes in the area of credit cards, you will begin to see the light at the end of the tunnel. Yes, it is going to take time. But, the payoff of having control over your debt will be well worth it. Then, once you are comfortable with credit cards and no longer have huge debts hanging over your head, then you can focus on using credit cards for rewards. For example, many credit cards offer cash back incentives or frequent flier miles. Just make sure you read the fine print in order to make the right choices.
By following these simple financial rules and tips you can win the credit card game. Instead of working to pay off your credit cards, you can let your credit cards work to pay off your needs.
- Contains: 3 Mini Cones of the following flavors: Zebra Popcorn, Caramel Corn, Cheddar Cheese Popcorn, Kettle Corn
- Certified Gluten Free, GMO Free Corn, Pure Coconut Oil, No High Fructose Corn Syrup, 0g Trans Fat
- 9 Month Shelf Life
- Variety gift set includes ten of Amish Countries Best Flavors; Including baby white, red, extra large caramel, purple, and mushroom popping corn (four...
- Your purchase also includes a fantastic recipe guide the "15 Amazing Popcorn Recipes" eBook
- Non GMO, vegan, gluten free, tree nut and peanut free, lactose and dairy free
- A hint of sea salt on chocolate drizzled caramel
- Sea salt chocolate caramel corn
- Made from the finest ingredients
Last update on 2019-06-08 / Affiliate links / Images from Amazon Product Advertising API