D' Finance Bench

The Right Place To Sit At For Financial Advises

Easy Money-Saving Changes

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life. The key is to make minor changes. Continue reading

September 25, 2012 Posted by | Budgeting | , , , , , , , | 2 Comments

Saving Money and Your Bills: Tips on How to be Money Wise

I used to love going to the supermarket. But nowadays, I make my trips short and sweet. I have a list and stick to it. My trips to the supermarket made me realize that it’s getting harder and harder to stretch that dollar. With all those bills that you have to pay in a month, you really can’t do anything about it but to save.

I read once that it’s not how much you earn that ensures a comfortable and happy future; but it’s how much you save and keep saved that matters. That is why it is really important to save money especially when it comes to your monthly bills. Some people do not just realize it but saving on their monthly bills can provide the best money-saving opportunity for them.

Here’s how: Continue reading

September 23, 2012 Posted by | Budgeting, Money Management, Purchases | , , , , , , , , , , , | 6 Comments

Create and Maintain a Budget

Dollar BillThe first step to avoiding the troubles of financial debt is to create and maintain a budget. It’s not as intimidating as it sounds, don’t worry.

First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. If the answer is no, then some expenses need to be reduced. Continue reading

September 23, 2012 Posted by | Budgeting, Money Management, Savings | , , , , , , , , , , | 8 Comments

Maximizing the potentials of a low APR credit card

Indeed, if a credit card is used properly, it can be the most powerful financial tool. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low APR credit card ushers in—to help people who plan to maintain a balance on their account and not to pay the full amount monthly. But, what does APR stands for in a low APR credit card?

Basically, APR is the cost of credit as a yearly interest rate. APR stands for “Annual Percentage Rate” of charge can be used to compare different credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount in the card. The monthly interest is calculated as if the current card balance would remain the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a must that all lenders tell the client what their APR is before signing any agreement.

Although the arrangements and terms may vary from lender to another, it is better for people to avail a low APR credit card because the lower the APR, the better the deal for them to spend more money in shopping around.

Why choose a low APR credit card?

Low APR credit card is a good choice for those people who are into a tighter financial budgeting. Being the most important attribute of a credit card, APR determines the significant balance over a longer period of time.

In a low APR credit card, the amount of interest one must pay on his or her credit card balance depends on its APR because the lower the APR is, the better it is him or her because it means they have to pay less interest. APRs in a low APR credit card can either be “fixed” or “variable.”

If you are planning to have a low APR credit card, there are so many cards that offer low APRs that can be found online. These low APR credit cards are chosen using a factoring scheme that organized these cards by computing a number of their attributes to place the best deals at the top.

Some of the questions one have to ask when looking for a low APR credit card includes the charges—if they vary or a fixed rate; and if these charges are variable because it might affect the repayments and if these rate are fixed or will it stay the same. Searching for a low APR credit card may also include inquiries on the possibility of any charges that are not included in the APR like optional payment protection insurance or an annual charge. If there are any, make sure that you understand what they are and when do you have to pay them. Lastly, looking for a low APR credit card should include questions on the conditions of the credit and how would these conditions suit you.

If you are now seeking for a low Apr credit card you may begin looking for a scheme that could help you save hundreds in interest with a low interest credit card and low cost processing.
Most low APR credit card offers 0% APR for the first months on purchases, cash advances, and balance transfers. Through these, low APR credit card can warn rebates towards any item purchased. They also offer $0 liability on unauthorized purchases, and no annual fees.

Some low Apr Credit Card that have very good intro rate for purchases is recommended for those who would want to avail one. They also offer good deals if one carry high balances on other cards and need to transfer the balance.

Indeed, having a credit card can be useful and convenient, and can even help build a strong credit history that will help you with future activities like home-buying, paying for higher education, and even finding a job. But, before you apply for a card, consider the advantages and disadvantages especially with the current financial situation you are in.

September 23, 2012 Posted by | Credit Card | , , , , , | Leave a comment

Five Ways to Control Your Gift Giving Expenditures

Gift giving is not just for the holidays. There are special occasions all year long. Some, like birthdays, are expected. Others, such as baby showers, are not.

Here are five tips to help you control your holiday gift budget.

  1. Make sure you set a reasonable budget for gifts. It’s always better to aim high and not spend so much than to figure on a lower amount and end up going over budget.
  2.  Don’t forget the unexpected people that always drop by during the holidays. Make sure that you have small gifts on hand that you can use in order to give to someone that you had not planned on buying for.
  3.  Make sure that you budget for gifts all year long. There are always birthdays, baby showers, and weddings that you need to buy gifts for. Make sure that you have some kind of allowance in your monthly budget so that these special occasions do not take you by surprise.
  4. If you want to get a nicer gift than your budget allows, consider going in with a friend or family member in order to purchase a gift for someone. If you share the cost between two or three people, then you can all afford something much nicer than what each of you could afford on your own.
  5.  Make sure that you put something in your budget for gifts that you need to purchase for coworkers. Some offices will take up a certain amount of money each month in order to put it in a fun to purchase gifts, cakes, etc. Some don’t. Holiday gift giving can become expensive if you purchase for everyone at the office, so you might want to be the one that suggests drawing names or simply not having gift giving throughout the entire department.

By following these tips you can control your gift giving budget all year long and not be caught with an unexpected financial burden. By planning ahead, you can ensure that you are prepared and relaxed for any special occasion.

 

September 23, 2012 Posted by | Spending | , , , , , | 1 Comment

Purchasing A TV Riser

TV riser, also known as cabinet stand (sometimes addressed as tv stand) is a furniture where you can place your tv set. It can give your television set a new dimension of appearance making your home look more sophisticated and well-organized. You can place other accessories of your tv on your cabinet stand allowing every component of your television accessible for you. Continue reading

September 3, 2012 Posted by | Purchases | , , , , , , , | Leave a comment