How to Use a Credit Card Responsibly

How can you use a credit card responsibly? If you are getting a credit card for the first time, I can imagine how excited you will feel. That plastic card you are holding is more than just a plastic. It can determine a lot about your finance depending on how you make use of it. Possibly you are already used to debit cards which offer you certain level of convenience over cash. Credit cards offer other benefits which your debit cards don’t offer. However, credit cards demand that you use it responsibly.  If you use your credit card responsibly, you Continue ReadingHow to Use a Credit Card Responsibly

Personal Finance Resolution You Need to Make in 2018

My Personal Finance Resolution. Happy New Year to you all! How was the holiday period? I hope you had enough rest. Actually, the holiday period was not supposed to be used just for junketing from one place to another only. Being the end of the year, it should be a time of soul searching and reflection. What were your expectations for last year? How many of them actually came through? What were those things you did right and what areas did you commit blunders? What were those things you did that you would have done differently? What opportunities did you Continue ReadingPersonal Finance Resolution You Need to Make in 2018

3 Ways to Pay Credit Card Balance

How Do You Pay Your Credit Card Balance? One of the advantages of using credit card over cash when it comes to making purchase is that, you will not need to pay for the item immediately. At the point of purchase, you are not spending your own money. You are actually borrowing money from your card issuer. This gives you opportunity to attend to your pressing needs even though you don’t have the money. It is a form of short term loan to you. However, you have the obligation to pay back the credit card balance to the card issuer. Continue Reading3 Ways to Pay Credit Card Balance