15 Ideas For Improving Your Finances Part One

Financially, times have been tough for all of us

. Organizing your budget and giving your finances a good spring cleaning could be very helpful right about now. Below are fifteen tips for getting started. First, we will tackle your debt situation, or dig up some additional cash, then we will figure out ways to utilize that new found money.

1. Double check your credit card interest rates. Even if you pay off your credit card bills each month, it is always wise to look over your rates again in the case that you hit a rough financial patch and have to put off paying your cards in full for a couple of months. Many credit card companies raised their rates in the last year, but as a result, they lost a lot of customers. A number of these companies are attempting to win customers with a good history back, so you can find a good bargain out there with the help of internet search tools like bankrate.com.

2.Set up autopay on your debts. This is something you want to get started on right away. Just one late payment can hit your credit tremendously, and you could end up seeing your interest rates shoot sky high. Even though the new credit card law puts more controls on credit card companies, they can raise your rates for six months at least when you make a late payment. In addition, you have the ability to even earn points if you pay your bills on a credit card with reward points. If you are not allowed to use credit to pay some of your debts, (on some of these debts you can't) set up an autopay utilizing online banking. That way, you will never have to worry about a late payment.

3. Look over your reward cards. Most credit card companies reduced their reward benefits before the new credit card bill was passed, but some have brought cards with better rewards into the mix as they look for the best customers. So if you do have good credit, take advantage of it and compare your rewards with the new cards on the market.

4, Look over your cable deal. As the non stop commercials make us painfully aware, cable companies are constantly running new deals that introduce new channels or internet services. Go to their website and check out the deals that are available now. You might be able to get a better one!

5.Glance over your wireless bill. Look through your wireless usage and be sure that you have a plan that meets your needs. Can you lower the amount of minutes you use, resulting in a lower bill? Or should you buy extra time instead of letting those extra minutes rack up? For ideas 6-15 Read Through The Second Part of This Article

by: Mallory Megan

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