- The financial instruments such as the stock market, follow the golden rule of buying the shares when the price fluctuation of the lot to sell the defective, and if there is an advanced level. The results thus obtained can be invested in the stock market is stable elements.
- Today, the Internet, the best way to apply for the best price to buy, before depositing the money. In particular, insurance, credit and financial management, an agony of choice. A detailed analysis of the depreciation rate, and goes a long way to saving hundreds of dollars per year.
- Change of plan, if saving services such as telephone, insurance, etc., can be expensive dollar, if it is simply the best knowledge of the current plan.
- Create a monthly budget to buy the most necessary and regulate the number of luxury goods is a significant savings.
- Dear weekend trips and extravagant trips with fat instead of fun.
- Planning, proper nutrition and eating habits lead to better standards of life, both materially and spiritually. Stay healthy and be saved medical bills. Is there a plan to prevent the proper food, that food from waste.
- Payment of accounts to store information, because in this case is an invaluable paid to you, that it is better to pay on time to avoid charges.
- If you are an employer, to encourage flexible working should be the responsibility of the group, providing compatibility with all the employees of the department. This helps to reduce costs and personnel to the task on time, even if someone is missing.
- With credit to a lot of things you used to buy with money buy.
- Loans to consolidate debts or to extend existing loan request.
- Declining balance checkbook months, even if your standard of living remained about the same.
- Only pay the minimum amount due on the free accounts.
- Received several communications from your creditors.
- Dipping into savings to pay bills that you pay your salary.
- Borrowing against your life insurance with little chance that you'll be able to repay.
- Depending on income support, such as overtime and dividends, to get through the month.
- The use of your account "discovered" to pay regular monthly bills.
- Juggling to pay rent or mortgage money on the other creditors.
If you are a consumer in the world in one of the richest countries, there is a good chance that you have accumulated a debt of credit. Buying on credit can be a practice if it is handled with care. But it also has a financial headache, especially if you are behind on your payments.
Take a few minutes to examine the short article entitled "10 signs of the warnings." If you find that you are responsible for advice on financial problems, not fear. There are steps you can ease your financial burden.
You can do it yourself?
You can solve your debt by managing your finances better. Whether you are in debt and still make monthly payments on all your commitments, you should ask for further assistance.
Talk to your creditors
Many creditors are more than willing to help you restructure your payments on debt, because it is in their interest to get back on its feet financially. Make sure you talk to your local banker. Bankers realize that even people with good credit loans can be a problem. Your bank can offer a range of solutions at a difficult time to help.
You can also contact a financial counseling for help. Some unions, universities, county extension agents, military, credit and housing authorities such programs and invite you little or nothing for their assistance.
If you are in the United States, a visit can live with a counselor at nonprofit Consumer Credit Counseling Service can be useful. Trained advisers will seek a payment plan acceptable to you and your creditors and help you adjust to formulate a realistic budget.
For more information on how to contact an office near you, see below. Consulting services in several other countries are also listed.
What is bankruptcy?
If you have debt, you may think that bankruptcy is a simple solution. But it really is not. According to the American Bankers Association (ABA), bankruptcy can stay on your credit record for up to 10 years. If you go bankrupt, you will find it difficult to access any type of credit or get credit - whether for a house, car or other purchases.
In addition, bankruptcy does not automatically erase all debt. There are obligations, you can still responsible for payment. So, after the ABA, it is in your best interest to resolve your debt problems in a way other than declaring bankruptcy.
Where to find help
Many nonprofit organizations offer financial advice or economical.
Australia: Australia different: local welfare and church agencies such as Life Line offers budgeting advice and support. Check your telephone directory for an agency in your area.
Canada: Canada: Write or call the Credit Counselling Service, 27 Carlton Street, Suite 301, Toronto, Ontario M5B 1L2, (416) 593-7434.
Philippines and South Africa, the Philippines and see in South Africa: Contact your local government or a bank, whether it's financial advisory services to the public.
Britain and New Zealand United Kingdom and New Zealand: The Citizens Advice Bureau provides advice and financial resources. Contact information for the directory or contact your local phone book for the number of offices in your area.
United States: United States Consumer Credit Counseling Service offers financial advice and credit. Check your telephone directory or contact the National Endowment for Consumer Credit, Inc., 8611 2nd Ave., Suite 100, Silver Spring, MD 20910 1-800-388-2227 or (301) 589-5600.
Malaysia: "Agensi Kaunseling Dan Pengurusan Kredit (AKPK)" provides financial education, financial counseling and debt management.
Compare credit card offers Secured credit card application Bad
With credit card companies and banks near the money is ready, it can be difficult to get a credit card. This is especially true for someone who has no credit, adverse credit or bad credit. A popular alternative if you try to get a credit card to obtain a secured credit card. The credit card has been designed to allow the borrower to establish or repair their credit responsibly with credit cards. Here, to know how to look at the credit card information to a potential borrower should provide.
Secure Information Credit
Secured credit card works is that after the approval of the Borrower deposit cash into an account held by the Bank Credit Card Company. This amount is usually small, somewhere between $ 300 and $ 500 dollars. The borrower is then a credit card for this amount, an amount slightly higher than the deposit paid.
A cash deposit to earn interest?
Yes, because the borrower deposited the money into a type of savings account, earning interest on the money. Shop around for the best rates, but it should be noted that the rate will probably be similar to obtain the interest rates on savings from other accounts.
Reliable information on fees connected
Because the borrower is considered higher risk than other borrowers may be able to an unsecured credit card can be taken will be brought to the extra costs of obtaining and maintaining credit in it. These costs include, without limitation, fees, monthly fees and even fees. Shop around for credit cards best attempt to limit the amount of taxes saved.
Care insurance on a credit card guarantee
Because many people with the high costs associated with obtaining a credit card deposit, some lenders have changed the way their card. Instead of implementation, maintenance and usage charges imposed security charges. The tax replaces in essence, these taxes are paid monthly.