Deal yourself a new hand of credit cards
By Linda SternSat Oct 21, 3:32 AM ET
If you’re still being loyal to the one credit card you’ve had for years, move on.
With rewards programs changing almost daily, it pays to load up on plastic and be strategic about how you use it.
That applies, of course, only to those consumers who pay off their card balances every month, never pay late and have good credit scores. Everyone else should stick with Plan A: the fewer cards the better.
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Budget Your Money and Reap These Benefits
Benefits of Setting a Budget
You may never have planned your life with a budget before, so now is the best time to start budgeting, before you wonder (again) where all your money went. If that’s not a good enough reason, I present ten more reasons on why setting a budget is good for you:
1. Knowledge. Knowledge is power, after all, and budgeting lets you know just where your money goes, down to the very last penny. It’s a self-educational tool about allocating your funds. Knowledge is the very first step to controlling your money.
Using Credit Agencies to Manage Your Finances Better
Savvy consumers are now using the World Wide Web to manage their finances better. Modern technology now makes it possible for you to consult online credit agencies for information about your credit rating. You can monitor changes to your credit report and promptly revise your financial activity in response. And it’s not at all difficult or complicated. In fact, you just have to turn on your home computer and connect to the Internet to gain access to your financial information.
Debt Mistakes to Avoid in 2007
Are you looking to eliminate your debt in the New Year? Knowing what you are doing wrong can help you to turn your finances around in 2007. Learn some of the common debt mistakes, then take steps to avoid them in the future.
Mistake #1: Ignoring your credit report
Banks and Money
Basic Functions of Banking
The basic functions of banking are:
The collection of funds from the public.
The safeguarding of those funds.
The transfer of those funds from one person to another without their leaving the bank (this is done by means of cheques or automatic transfer through the banking system, or via the Internet etc)
The lending of that money to other parties for a return or reward called interest.
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How Credit Scores Affect Mortgage Applications
With a good credit score an applicant will receive prompt response from many lenders, all of them offering low interest rates and low down payment options. The loan amount offered also may be high. On the contrary a low credit score would result in a lot of rejection from various mortgage financers. Because creditors wouldn’t come forward easily to give credit to individuals that have a history of difficulty in repaying existing loans. (more…)