Category Archives: Debt

How to Use Your Credit Card This Holiday Season

How to Use Your Credit Card This Holiday Season

Long lines at the malls, the taste of ham, and children singing in the streets is a sign that Christmas season is here. You must be excited to go on a stress-free winter vacation with your loved ones. And can’t forget your gifts! However, along with the cheers of the yuletide is a type of anarchy so huge that it jeopardizes the enjoyment of the season.

Yes, you are right if you are thinking about the long queues at banks, malls, and all the other stores you shop. This time of the year is the perfect time to shop online and utilize those credit cards in your wallets. The risk of going overboard is higher now than any other time of year.

Below are some tips to avoid having a landslide of bills from your credit card:

Plan In Advance

Everyone knows that the month of December is a time of meticulous shopping, including the wise shop owners inside the malls. They will attempt to attract you with discounts, bundled items, and even free items with purchase. This is the first obstacle you must conquer. To avoid this, make saving a habit, then set a specific budget, create a shopping list, and the most important thing of all, stick to your budget and list. Write down the names of the people you are giving gifts to and set a particular limit for each of them. This will eventually help you avoid that “50% off” poster outside your favorite store.
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Pawning Versus Selling: What Is Right For You

Pawning Versus Selling: What Is Right For You

Suddenly needing extra funds can happen to anyone for a wide range of reasons. Emergencies happen like accidents, large bills, or unexpected travel. Mistakes may have been made in budgeting and now an important payment can’t be covered. Or even a happy occasion like wanting to buy someone a special gift or reward might come… Continue Reading

Before You Apply: 4 Documents You’re Going to Need to Show to a Personal Loan Lender

Before You Apply: 4 Documents You’re Going to Need to Show to a Personal Loan Lender

Are you in need of some money? Well, don’t sweat, because personal loans are now more accessible than ever. Although they come with high interest rates and strict repayment terms, personal loan can provide a quick solution to emergencies without requiring you have collateral or even good credit. Applying for a personal loan is a… Continue Reading

Some Top Factors that Affect your Credit Score

Some Top Factors that Affect your Credit Score

You must have heard of how impactful your credit score is. it actually plays a major role in your life and for those who do not know, in case you ever want to take any loan, your credit score can be very helpful if you have maintained it well. It actually helps you to determine… Continue Reading

3 Ways to Clean up your Credit Rating

3 Ways to Clean up your Credit Rating

If you have a less than satisfactory credit rating in the UK, the chances are that you’re not alone. In fact, one-in-three Britons had credit applications rejected for this reason as recently as 2015, and this remains a prominent issue in the wake of the great recession. Having a bad credit record does not necessarily… Continue Reading