By Mercedes Bailey

Having hassle understanding the place your cash is going? need assistance with credits, making an investment, and different monetary companies? This consultant presents every thing you want to get your self into monetary health and wellbeing. transparent directions and plans make an usually dry and intricate topic effortless to appreciate. start to discover your monetary objectives, at the present time.

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Some cards give frequent flyer miles on a particular airline for the dollar value of purchases made with the card. Others offer free gasoline or discounts on purchases. This type of card may be advantageous to you, but weigh the interest rates and annual fees against the benefits. Using the two-card system After you compare cards, select two that serve your needs and refuse or cancel all the rest. Determine to use one card with the lower interest rate for large purchases because you probably cannot pay off the balance in one month, and the other, with the higher interest rate, for smaller purchases because you will pay off this balance each month.

This chapter tells you how to avoid unmanageable debt and what to do about debt if you’re already there. Sources of Debt Common sources of debt include cars, college education, home mortgages, home equity loans, various addictions, and simple overspending. In each case, you need to avoid some pitfalls. Auto loans Most people spend more for a car than they can comfortably afford. Before going to a car dealership or answering an ad for a car, do your homework and give yourself time. Buying a motor vehicle on impulse can be disastrous.

No, you’re not going to gamble with your money; DICE is an acronym that stands for ■ Distinguish between needs and wants ■ Identify the opportunity costs and benefits associated with each choice ■ Choose items based on your priorities, not on impulse ■ Evaluate your choices In the beginning, you may make some unwise choices. But as you gain experience as a money manager, your judgment will improve if you continue to use the DICE approach. D: Distinguish between needs and wants As the section “All I Really Want Is .

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