8 Methods to Eliminate Credit Card Debt

Dumb Little Man

Huge credit card debt can feel like a crushing, impossible burden that you need to carry for months, years, or even a lifetime – but it doesn’t have to be. With a few simple steps and a good deal of discipline, credit card debt can be whittled down, paid off, and eventually eliminated for good. Just imagine how good it’ll feel to not owe your hard-earned money to a credit card company. Of course, your budget needs a category for credit card payments!

9 Valuable Credit Card Perks

Dumb Little Man

According to a recent Bankrate survey, about two thirds of millennials don’t own a credit card. But most savvy budgeters, the ones that consider themselves “good with money,” know how to take advantage of credit cards – and you should too. 1) Build credit. 56% of US consumers have subprime credit scores which can cost tens of thousands of dollars over the course of a mortgage, or can reflect poorly when applying to rent an apartment or lease a car.


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Credit cards going green

Eco-Office Gals

With environmentally friendly products becoming more mainstream and readily available, credit card issuers have begun to roll out products, services, and rewards that have a focus on going green. Credit card companies and banks have long come under scrutiny for not doing enough to battle the effects on the climate. Credit card comparison sites, such as www.creditcard.com.au , offer extensive insight into the offers and green reward plans available.

Before You Get A Credit Card, Read This

Small Business CEO

Credit card is a small piece of rectangular shaped plastic card that gives a person the ability to purchase anything within its credit limit with one swipe. It made you wonder how amazing this piece of card is, thinking you’d like to own one someday!…

Personal Loan vs Credit Card vs Debit Card: When to Use Each

Dumb Little Man

When is the best time to get a personal loan, swipe a credit card or use a debit card to consolidate debt? Choosing whether to get a personal loan or credit card depends on your spending habits, the status of your credit score, the amount of money you need, and the time it will take for you to repay the debt. For instance, your credit score highly influences your chances of loans, credit cards, or mortgages getting accepted.

What Every Entrepreneur Should Know About Small Business Credit Cards

Small Business CEO

Many business owners choose to cover these expenses through the use of small business credit cards. Still, other business owners are hesitant to get a credit card for their companies for a number of reasons. Let’s take a look at the advantages and disadvantages of small business credit cards and you can easily determine whether or not one is right for your business. This works just like a consumer credit card.

5 Reasons You’ll Be Glad You Made Your Purchase With Cash

Dumb Little Man

To save yourself from these inconveniences, try to avoid using your cards as much as possible. Their responses revealed that people generally feel a deeper connection with cash purchases. Similar to how casinos trade in your cash for chips at the table, hiding your balance behind a card psychologically devalues your bank balance. It pulls you out of the vicious cycle of making purchases and paying interests. Cash purchases mean more.

Service Untitled» Blog Archive » Credit cards offer extra customer.

Service Untitled

Home About Service Untitled Subscribe for Free Consulting Contact Archives Credit cards offer extra customer service perks Cheryl April 14, 2010 Behind the Scenes , Customer Service , Little Things, Big Differences , Specific Companies No Comments My new Nordstrom credit card came in the mail, and I was pleasantly surprised. Their rewards program provides 2 points for every dollar spent at Nordstrom’s and provides for 1 point when I use the card elsewhere.

Small Business Solutions: Ways for Clients to Purchase Products

Small Business CEO

You can use credit card services, PayPal, cash transfers, and digital currency transfers all as ways that clients and customers can give you money. … Information Technology payment processing purchase paymentsIf you own a small business, then you know how vitally important it is to make it as easy as possible for clients to pay you. Unfortunately, a lot of the payment methods in the past required some major infrastructure in place.

Is Cash really Dead? 4 Reasons Why You Should Avoid Using It

Small Business CEO

But while there may be some benefits in using cash for your purchases and everyday transactions, they are even more benefits to using credit cards. If you can use plastics responsibly, you find that you are better off doing your payments with a credit card than with cash. Let us examine why the credit card comes out on top and why you should minimize your use of cash. Credit Card builds up your credit rating.

2017 45

Reward your Small Business with the Capital One Spark® Cash Card

Small Business CEO

So why settle for a business credit card that limits how much cash back you earn? Or charges you for an employee card? In your business, you accept every obstacle, deadline, and challenge but that shouldn’t extend to your business card. With Spark Business SM Credit Cards from Capital One ® , you could earn 2% cash back on every purchase, and receive free employee cards. Brought to you by Spark Business from Capital One.

2015 68

Get Organized: Taking the *Errr!* Out of Online Shopping

Get Organized!

Having to type in my credit card information - its just SO tedious! According to SmartSwipes homepage , "SmartSwipe is the world’s first truly secure personal credit card reader.you can swipe your credit card at your home or office computer just like you would in a store." SmartSwipe uses Dynamic SSL to encrypt your card data before it reaches your PC, and then inserts the information into the proper fields in the sites shopping cart.

2009 40

What Happens If You Delete A Paid App On Your Iphone or Ipad?

Dumb Little Man

Does the application store keep records of who purchased an app? Does it matter if I paid for it with a credit card? Most application stores maintain their purchase records for a long period of time. Go to your purchases and lick the app in question. Any purchase with a credit card is likely to have a detailed record of the transaction. If you have a problem with any purchase, you can contact the seller.

2019 156

8 Tips for Safer Online Shopping

Dumb Little Man

Scams are rife on the internet as almost everyone who has a mobile phone, tablet or computer would have purchased something online. Try buying those gift cards through a normal store or an online store, and you can be assured that you’ll be buying a gift card.

2020 175

Top 10 Money Saving Tips For College Students

Dumb Little Man

Use Your Student ID Card Wherever Possible. For example, if you use a credit card to pay your university fees, you will be charged an additional 1.75% on the total amount. It also enables you to avoid any impulsive purchases at the supermarket.

2021 165

3 Reasons to Ditch Your Leather Wallet and Go Digital

Dumb Little Man

A lot of it comes down to what we’re used to doing, and what we’re used to is handing over a plastic card. In the not-too-distant past, credit and debit cards were the new payment methods, out to replace the wad of cash or the checkbook in your pocket. Over time, the credit cards gained acceptance by being convenient and offering financial incentives. A digital wallet retires the card shuffle. Paying your credit card bill online seems instant.

2019 200

10 Myths About Making Money That Are Keeping You Back

Dumb Little Man

Each time you use your debit card, it’ll round up your purchase to the nearest dollar. Purchasing Your Home is Better than Renting Your Home. Don’t Pay off Your Credit Card Balance Each Month. The myth says that you have to carry a small balance on your credit card each month to improve your credit score. You Don’t Need an Emergency Fund Because You Have Credit Cards.

2018 192

Staying Out Of Debt: 3 Money Habits You Should Be Doing

Dumb Little Man

Debt can pile up for a number of reasons, but it’s particularly problematic when people make major purchases without concern for the consequences. It can also lower your credit score. When you become a bad credit risk, it will become more difficult and expensive for you to borrow in the future. But, it isn’t only lenders who look at credit scores. Landlords can sometimes consult your credit score to find out how reliable you will be about paying your rent.

2017 168

Minimal Wallet For Everyday Carry

Productivity Bits

I’ve been looking for a minimal wallet since I decided not to use any of my credit cards. Well, I still carry one credit card for emergency use. I don’t carry much cash either; I have a debit card to cover for my purchases. The less credit card I carry with me, the less likely I will be tempted to impulse buying.That just works for me. Here’s my usual wallet stuff: 1 credit card. 1 debit card.

2012 135

What Happens If You Delete A Paid App On Your Iphone/Ipad?

Dumb Little Man

Does the application store keep records of who purchased an app? Does it matter if I paid for it with a credit card? Most application stores maintain their purchase records […]. At times, you may download a new paid application to your iPhone or iPad. You try to make it work, but it just doesn’t function like you hoped it would. What happens if you delete a paid app on your iPhone or iPad? <h2>Deleting

2014 193

Money-Saving Hacks for Busy People

Dumb Little Man

This way, you can stay on track and purchase only the things you really need. You won’t end up storing most of your unused purchases at the back of your closet. Use Credit Cards Wisely. If you own several credit cards, make sure to use them wisely. There are credit cards that offer rewards points when used for groceries, fuel, and shopping. See Also: 9 Valuable Credit Card Perks.

2018 147

8 Leadership Skills Students Need For Becoming A Successful Entrepreneur

Dumb Little Man

You can use your student loan money to make purchases now that you either need currently as startup materials or anticipate needing them down the line. When applicable, the interest rates associated are likely much less than they would be with other loan types or credit cards.

2021 231

How I Brought My Debt Under Control

Dumb Little Man

For me, the wake-up call was realizing that, while my income hadn’t changed, I had more credit card debt, higher payments, and less available money each month. Do you frequently make impulse purchases of items that you don’t really need? […]. Sometimes, debt sneaks up on you when you least expect it. You think you’re doing all right, but suddenly, you realize that your debt has spiraled out of control.

2016 158

5 Easy Steps to Gain Financial Freedom

Dumb Little Man

You’ll have a hard time setting aside money into savings, purchasing your dream home or embarking on enthralling vacations. Little purchases add up very quickly and by assessing your situation, you’ll be able to identify where most of your money is going. They can assist you in creating and sticking to a budget as well as in identifying a course of action that will be helpful for your financial future, such as how to repair or build your credit score.

2017 176

5 Everyday Things That Will Disappear Really Soon

Dumb Little Man

You pay once a month for nearly a hundred of apps that can be used without separate purchases. Credit cards. We’re already almost cashless and we’ll soon forget about credit cards as well. The only remaining ethical question on our way to becoming a completely cashless society is the privacy of our purchases. And after all, even if we still have cash, credit cards are over for good.

2018 184

Are You Drowning In Debt? Here's What You Need To Know To Avoid Emotional Spending as Men.

Dumb Little Man

Sometimes they spend more money than they should and probably have a stack of credit cards that they struggle to keep up with back home. Living in a culture that looks up to glitzy celebrities and values consumerism, it is easy to fall into the trap that our worth as men directly correlates with our ability to purchase shiny things.

2013 218

10 Easy Money Hacks to Improve Your Finances

Dumb Little Man

By making purchases at the right time and from the right website, you can easily save up to 30% or more than you would otherwise spend at your local store where you have limited options and limited time for research. Increasing Credit Score. Your credit score will play a huge role in your life as far as the finances are concerned. There are many easy and simple ways to improve your credit score. However, the key is selective purchase.

2018 161

10 Awesome Tips On Finding The Best Deals Online

Dumb Little Man

Going to a local shop to purchase an item is an outdated job. Online shopping also makes it easier for us to purchase an item from any state in the country or even abroad. The habit of using coupon codes will always give you a better deal on every purchase. If an online shopping store allows the use of coupon codes and scratch cards on Friday, then wait for that day. Please don’t make a decision to purchase in a hurry. Use of credit and debit cards.

2019 189

Best Money Management Tips For Students

Dumb Little Man

Use credit cards sparingly. A lot of students end up getting entangled in huge debts because of not using credit cards properly. Credit cards are a great way to shop and purchase without actually using real money. To make sure you don’t misuse it, avoid using a card for everything you buy and bring actual money. Entering college isn’t as great as you’re probably thinking.

2018 153

E-Receipts vs. Paper Receipts

Eco-Office Gals

The process of making a transaction at a retail store and receiving a thermally printed receipt is so familiar that customers may think it is the only way to get a record of their purchase of products or services. E-receipts are easy to generate through an effective credit card processing solution that issues the e-receipt to the customer’s email address at their request.

2013 175

The Aussie Guide to Bad Credit & What to Do About It

Dumb Little Man

The funny thing about credit scores is that hardly anyone ever notices them until you need to buy a big ticket item. Swiping left and right is all fun and games until you need to make an adult purchase — like a house or a car. Now, imagine being excited to finally get the car of your dreams and then all of a sudden your application gets rejected because you have bad credit. What does having bad credit mean? How do I get a good credit score? Credit Money

2017 137

7 Ways To Save Money While Traveling

Dumb Little Man

If you are short on ideas for where you might like to travel next, be sure to check out the bottom section of their site to see where the latest deals were purchased from other customers. ” Find a debit card without foreign fees. If you are traveling abroad, you will want to find a debit or credit card that doesn’t charge you extra fees for foreign transactions. One card that allows you to avoid these fees is the Charles Schwab card.

2017 178

A House-Buying Guide For Millennials

Dumb Little Man

Student loans, personal loans, and credit card debts are the big three that come to mind. Ideally, you should have at least 10% of your home’s purchase price on-hand and ready to use, if not 20%.

2020 234

30 Easy Ways to Save Money You Probably Aren’t Doing Yet

Dumb Little Man

Humans simply have a very tough time resisting the temptation to purchase extras while shopping. Even worse is when your forget to purchase the actual item you came to the store for in the first place. Most utilities and other recurring bills can be set to be charged to a credit card or deducted from a checking account these days. Avoid credit cards with annual fee. Just make sure that the card does not charge you any annual fees.

2019 172

Simple Money Hacks That Every Millennial Needs To Know

Dumb Little Man

payment options make it all too easy to make spur-of-the-moment purchases. Learning to separate necessities from luxuries is an important step in not only being able to save money, but also to pay off personal and student loans and credit cards while also being able to put money aside for the future. If the media reports, editorials, and advice columns are to be believed, millennials can leave a lot to be desired when it comes to saving and spending money wisely.

2019 178

5 Steps to Increasing Your Cash Flow

Office Organization Success

For these reasons I am huge fan of payment plans, both for making my own purchases in my business and for clients to pay me. With a merchant account you can very easily accept all major credit cards without your clients and customers having to go via Paypal (this is a great option for a secondary payment processor). You’ve done it!

2015 179

13 Ways You Should be Using Your Smartphone for Business

Tips From T. Marie

Easy Credit Card Payments on the Go. If you’ve ever had to turn down a purchase because you had no way of taking a credit/debit card payment you’ll be happy to know there’s an app for that now. PayPal and Stripe both have card readers that plug into your smartphone allowing you to accept a credit card payment instantly. Admit it, you don’t go anywhere without your smartphone. It’s ok, the rest of us don’t either.

2018 120

Nine Easy Tricks to Cut Your Spending Today

Dumb Little Man

Leave Your Credit Card at Home. If you often find yourself spending more than you should when you’re out shopping, then leave your credit card at home. Take cash, or a debit card: that way, you can only spend what you actually have. When you really need to make a purchase, you can unblock them – but the extra step involved will help prevent you from going onto those sites “just to browse”. Photo Credit: Monochrome.

2011 219

Five Ways to Seriously Get Things Done

Clutter Coach

The program costs $7 and you can purchase it through with the link below. The program is sold through E-junkie and can be purchase with Paypal or credit card. by Do you make notes and lists of all you have to do but still end up falling down rabbit holes of activity that weren’t on any lists? Have you got so much to do that you feel overwhelmed and defeated before you even start?

2016 100

Smart Tactics to Resolve and Stay Out of Entrepreneurial Debt

Dumb Little Man

All good business debts are credit lines, mortgages, and loans. Generally, this capital gets used to purchase things that are beyond your financial reach. These entrepreneurs usually switch to credit cards to manage the troublesome cash flow, hoping there’s some balance. Most entrepreneurs feel that they can repay off their credit card amounts fast, but that’s far from the truth. Debt is a part of every business and every entrepreneur knows that.

2018 143

Being a Single Parent of Three, This is What I Advise All the Moms

Dumb Little Man

If you are planning to do the same, you have to be very particular about the items you choose to purchase from the sale section. For example, I purchase items in bulks that have long expiry dates such as cereals and frozen products. I purchase less organic products which can expire soon. For clothing, I purchase one or two sizes bigger clothing that can come handy next year and so on and so forth. Today, I attended the graduation party of my twin boys.

2019 149

Throughput, Exogenous, Titer, and Fomites

Daily Writing Tips

Facilities considering the purchase of these instruments should base their decision on the available assays and the throughput capacity of the system. credit cards.

2020 79

20+ Ways to Get Rid of Your Debt for Good

Dumb Little Man

Get rid of your credit cards One of the biggest down falls that most of us have is the reliance on credit cards. Unlike spending real cash, when you charge it to a card you don’t feel the burn. So if you cannot control how much you spend on your card, then cut up your cards, leave them locked up at home, freeze them or bury them until you are out of debt. Note: Don’t close the accounts since that can result in reducing your credit score !

2011 219