Month: July 2013

A Spending Reduction Credit Card Savings Plan

Having a credit card is very convenient since carrying a large amounts of cash creates unneccessary security risks, like the inability to trace it in case of loss or theft; but a credit card seems to have a strong enough attraction that makes it kind of difficult for you to leave yours at home. However, with the many advantages offered by credit cards also come disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something on impulse that you may not need.

So if you have excellent control with your finances then you are to be commended; but if you have a hard time managing how much you spend on your credit cards, then these simple pointers can help you:

Get organized

First and foremost, obtain your credit card records to have a better idea of your spending. Be sure to double check the records for errors and ensure accuracy by comparing your records against those of the credit card company. A good example would be to find out if you have outstanding debts that should not be there, as well as the accuracy of the listing your past and present address listings.

Evaluate your credit card

Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which some charge card companies charge annually since some membership fees can be very high. Consider cancelling such memberships if you are not a frequent user.

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Pay on time

It is important to pay your bills on time since it can have a negative effect on your credit record or rating if you are a habitual late payer. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time, some companies will be willing to work with you, as a reliable excellent payer.

Manage your debts

If you see that you have more debt than is comfortable for you, think ahead and plan out how you will repay it or at least reduce that debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not bring your credit card always when you go out for a stroll since temptations are usually in ample supply.

Don’t bite off more than you can chew

As the saying goes, “don’t bite off more than you can chew”; which is translated to mean, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but the price tag may mean paying a lot for the next several months. If you are bent on saving money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your priority list.

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Family Budgeting Requires Focus on Goals and Priorities

The family budget can frequently be a source of conflict and dissatisfaction among family members. Most often a family’s financial decisions are undertaken by the person earning most of a family’s income, whose decisions are not always acceptable to other family members.

Understanding that money is such an intrinsic part of family life, it is important for families to achieve compromise on this subject. Here is a four-step outline for budgeting the family money that might help to maintain peace and harmony.

1. Set your priorities.

Priorities are different from goals. They are aspects in your family’s life that you, as a family, want to focus on – like health or a future for your children – while goals are specific targets that support priorities.

In setting priorities, do not set too many, as it defeats the purpose. Ideally there should only be one, but because life is not ideal, 2 to 3 are reasonable.

As the priorities are set and agreed upon, write them down. Post the paper where everybody can see them to remind them of what your family is focused on for the next few years.

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2. Write down your goals.

Once the family has set and agreed on priorities, the next step is to set the family goals. Goals are specific and measurable conditions that, when achieved, will support the priorities.

In setting goals, establish a target that is both challenging yet achievable. A 10-15% of the family’s income is a good savings target for a child’s future education: stretching yet reachable.

Try to limit your family into setting 1-2 goals per priority, to maintain focus.

3. Work towards your goals.

After setting your priorities and goals, start living by them. All of the family’s activities must be geared towards working at your goals. Track progress, particularly on financial goals, by using an income and expense-tracking tool. The simplest way is to get a notebook and list down all expenses & incomes, and set a budget for future spending.

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There are those that invest in computer software or a family accountant. Whatever it is, the important thing is to have a system of monitoring the family’s performance towards achieving set goals.

4. Evaluate your family life.

At a certain point during these exercises, when you feel like it’s time to evaluate your life, check how your family is doing in relation to the goals. Goals that have been achieved can be checked off the list, and new ones can be formulated.

At times, in major changes like a career move, or when a family member goes away, it might be a good time to re-evaluate priorities. When such a time comes, it is reasonable to assume that a new cycle begins; just like the overall reason we all try to get the most out of our available resources. That’s life!