Credit Implications Associated with a No Spending Limit Credit Card

Most credit cards come with a credit limit which is usually based on several factors determined by the credit card issuer. On the other hand, with a No Preset Spending Limit Card, cardholders do not have a spending limit defined by the credit limit on their card. Instead, the limit of expenditure is decided based on payment history, income, and spending patterns. This preset limit can change, and often you can increase your limit simply by requesting it. Many people wonder if obtaining these types of cards would have an adverse impact on their credit score. Let’s take a look…

   

Top Up Loan or Personal Loan when you Need Emergency Money?

Facing a financial emergency can be daunting. How do you know what the right method is when you can barely think straight? Generally, you have two options to get the money fast – a top up loan or personal loan. They both have their benefits and times when they are most beneficial. Understanding the differences can help you determine what is right for you during a time that you need money fast.   What is a Top Up Loan? A top up loan is an extension of an existing product, typically your home mortgage. With this financing option, you simply…

   

5 Surprising Ways Volunteering Can Save You Money

A multitude of recent research is shedding light on the real power of volunteering. In fact, the old saying, that those who serve almost always benefits more from it than from those who are served rings true. Whether you are ordered by a court to perform community service, are required to do it for a class, or feel the desire to help out, you’ll find volunteering to be an extremely enriching experience and on top of that, you may even find several financial benefits to doing so. Let’s take a look at five financial benefits of volunteering.   Helps You…

   

6 Tax Law Changes in 2016 to Plan For

The 2016 tax law changes are upon us, and to stay out of trouble with the IRS, it is crucial that you be aware of them so that you can plan your course of action. It is a good idea to check IRS documentation to find the specifics. However, we’ve put together a list of five tax changes you should be aware of for the New Year.   1.  The Uninsured Will Be Penalized Under Obamacare, also known as the Affordable Care Act, those who do not sign up for health insurance through the government exchanged via their employers or…

   

How to get a Better Interest Rate on a Bad Credit Personal Loan

If you’ve decided to take out a bad credit loan, then you likely know that it comes with less than perfect terms than that of a traditional loan that you would receive from a bank or credit union. However, often when you have a bad credit score, you are left with no choice but to take out this type of loan, despite its notoriously higher interest rates and bad terms. That being said, you can do a few things to ensure that you get the best terms possible on a bad credit loan so that it will not weigh your…

   

5 Surprising Perks of Using Your Credit Card for Holiday Spending

It is never a bad idea to plan early for your holiday shopping. It is the best means of avoiding the dreaded "panic shopping" that occurs at the very last minute. Holiday shopping while panicked can lead to breaking your budget, and thus holiday debt. Although many people associate credit card use with debt when properly used, it can actually help in getting all of your holiday shopping done while sticking to a budget and reaping all the rewards. Here are five surprising benefits of using a credit card for your holiday shopping.   1.  Can Help You Track Your…

   

How to Host Thanksgiving Dinner for Less Than $30

When you are on a tight budget, Thanksgiving can be a stressful time. After all, the price of food seems just to be going up. However, you can put together a delicious Thanksgiving dinner for $30 or less just by using some of these ingenious cooking tips. We’ve come up with nine tips to host a wonderful Thanksgiving meal full of cheer and spending time with your loved ones while still staying within your budget. Here are nine ways to spend $30 or less on your Thanksgiving meal.   Use Canned and Boxed Food When Possible When you want to…

   

5 Things you Waste Way too Much Money on Every Month

The sheer amount of expenses you have every month can be overwhelming to the point where managing your money can seem almost impossible. However, one of the best ways to cut down on your expenses is to cut back on your spending. There is a slew of things that the average person overspends on, and so cutting down on just a few of these can save you a substantial amount every month that you can allocate towards more important things such as a savings account or paying down your debts. Here are five things that you likely waste too much…

   

Tips for Celebrating Thanksgiving Frugally

Are you hosting your family’s Thanksgiving dinner this year? Although this can be a stressful affair, especially if you are on a budget, with the right tools and tips up your sleeve, you don’t have to break the bank to have a wonderful Thanksgiving. Budgeting on your Thanksgiving festivities allows you to still enjoy your time with family and friends instead of worrying about the money spent on the affair. There are only a few weeks left until the big day, and so it is recommended that you start planning now so that you can secure both a frugal and…

   

6 Strategies for Changing Your Money Blueprint

Changing your money blueprint is actually very simple. All you need to do is change your beliefs when it comes to money. Additionally, you have to change the way you think about people who are well off and the way that you believe it affects your relationship with others and yourself. Once your beliefs about money change, you’ll find that your understanding of finance comes much easier. Here are six strategies to use to change your money blueprint.   1.  Remain Balanced at All Times It is crucial that you do not get stressed out over not having money or…

   

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