More often than not it is the little changes over time that make the biggest difference. Think about it. If you wanted to loose weight I doesn’t just happen over night. You need to make small changes in your daily lifestyle, and then over time those changes will result in overall weight loss. How to manage money is the same. It is the small changes in money habits compounded over time that will make the biggest difference. If I said one change a month for a year could get you out of debt, would you believe me? Lets look at it closer:

Ask yourself, could you save $10 a month each month for a year? It wouldn’t be that hard. All you would need to do is take one expense each month and focus on how you could reduce it by $10. For example: if you gave your cable company a call and removed some of the channels you never use. If you are able to do this for 12 straight months here’s what the reward would be:

Lets say someone has $5, 000 in credit card debt at 18%. Here’s the breakdown: Read the rest of this entry

In my previous post I discussed that there are many secrets that credit card companies don’t want you to know. There are plenty of options out there for you to pick from and many ways that you can avoid user fees and pay little to no interest on purchases. You as the customer have the choice to let your credit card work for you. Here are a few more exciting credit card secrets that will offer you a great deal of personal finance help.



Two-cycle Billing:

This is one other way that credit card companies will attempt to get more money from you and many people don’t even realize that two-cycle billing exists. In short, issuers will calculate an interest charge that is two months of interest if you were unable to pay off the balance in full. It seems like a nasty trick but you are borrowing their money after all. This problem only occurs if you switch from paying on time all of the time to carrying a monthly balance. The solution to rectify this problem is to switch to a new card issuer or ALWAYS pay your balance in full.

Fees Are Negotiable:

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It’s no secret that having children can be one of the most exciting, daring, enjoyable and frustrating things any adult will ever do. It’s also a pretty well known fact that kids are very, very expensive. With the cost of diapers summer camp, football, dance class, clothes food and college (just to name a few), your standard of living will change. Below are a few tips to help you learn about your kids and how to manage money.



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