Don't Worry, Be Happy: Personal Finance Tips That ... - Bodega Catz

If you?ve spent your whole paycheck on expenses, you can still save by cutting back on non-essential items, instead of completely cutting out. You may not be able to entirely give up eating out, but you can at least make it less frequent. You can still enjoy eating out and save quite a bit of money by changing your habits to eat out half as much as you used to.

Always have an envelope with you. Store any receipts or business cards you receive in the envelope. By holding onto these, you will have a record of all expenditures. You may need them to compare to your credit card statements in the small chance that you are double charged.

Look at your portfolio once a year to see if anything needs to be changed. This can help make your investments realign with risk goals and tolerance. Rebalancing also helps build a discipline of buying low and selling high

Cutting back on maintenance spending for your car or house can be a dangerous way to save money. By making sure that everything is in working order through maintenance checks, you are avoiding huge problems that could happen in the future. Taking excellent care of your possessions will save you money over time.

To achieve a more stable financial situation, you should open up a savings account and put money in it regularly. Having enough savings on hand means you won?t have to use your credit cards or take out a loan in cases of an emergency. Even if it?s impossible to make a significant contribution each time, save as much as you can because every little bit helps.

You?re not alone if you make a mistake or two with your personal finances. If you mistakenly overdraft your bank account, you can request a waiver of the fee that is charged. This is a one-time courtesy that is sometimes extended to people who keep a steady balance and avoid overdrafts.

If you are shopping for a mortgage, make sure your credit score is in the range of at least 740. Scores at that level will help you secure better interest rates. If your credit is less than perfect there are steps you can take to repair it. It is better to wait to apply for a mortgage until your credit score improves.

If you desire a favorable credit score, use two, three or four credit cards. Using only one card means it will take a long time to build a good credit score, and more than four cards means you cannot manage your finances efficiently. Begin by having two cards, and add more cards as your credit improves.

One simple tip for saving money is to buy discounted items. Stop loyal purchasing of certain brands and buy whatever you have a coupon for. For example, if you typically buy Tide detergent but have a coupon for three dollars off of Gain detergent, go with Gain and save the green.

Don?t let your personal finances get to you, clear your head, and realize it is time for you to tackle the issues. The article has provided you with the information you need to get on the right track, so apply this information to your personal finances and you will make a difference.

Brad Allen

Brad Allen is a credit card debt settlement business expert. He presides over a staff of credit card mediators which works directly with every big credit card issuers and debt collection agencies.

Brad charges no up front costs for this service on his web site http://creditcarddebtsettlementinfo.com

Source: http://bodegacatz.com/dont-worry-be-happy-personal-finance-tips-that-work/

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