How To Fight Credit Card Debt With A Balance Transfer Option

A BALANCE TRANSFER MIGHT BE THE OPTION THAT WORKS FOR YOU   Ah, the New Year, a new perspective, a new way of looking at things in our lives. For lots of people the New Year means making resolutions or promises to themselves to stay on track with their goals. Maybe your New Years Resolution is keeping that promise to yourself about quitting smoking and saving money at the same time or just saving money, online trading, starting a budget or starting a new career or second job. Beginning your year with a monthly budget can be a great start to tackling your debt. We’ve been using a budget for a number of years now and track all of our income and spending which includes asking for receipts. Sounds a bit boring but in part this is what allowed us to become debt free before we were 40 years old. Ultimately whether we had debt or not our budget allowed us to see what’s costing us more than it should and to adjust our spending habits to compensate for it. Related: How to create a results driven budget for 2018 I’m not going to lie to you, having a second […]

Check out the top payment options at online casinos

KNOW YOUR ONLINE PAYMENT OPTIONS SO YOU’RE NOT LEFT IN THE DARK   Having a payment method that is fast, reliable and secure is a top priority for any gambler, and being able to make quick and easy deposits at online casinos goes a long way in making your online gambling experience wholesome and fulfilling. While there are a number of payment options available out there, it’s important that you pick a trusted option that keeps your money safe, while simultaneously being fast and easy to operate. Here we’ve compiled a list of the top payment methods at online casinos that are recommended Casino Payment Methods in the industry.   Visa   Visa is one of the most popular means of making payments since when the first casinos started popping up on the internet. On account of its popularity Visa has become a globally accepted payment method, and offers users a safe and reliable payment ecosystem through its extensive fraud protection policies. In addition, Visa users have the option of choosing from the several online casinos that accept Visa for online payments, and can deposit large amounts in a single go. With Visa you can Sail through online gambling with […]

Worried about making online payments? Here’s why PayPal is the perfect solution

PayPal is easily among the biggest online payment systems across the world. Today, PayPal is accepted as a safe and reliable payment gateway by customers and merchants over the internet, and has become an accepted payment method at several online casinos. PayPal’s efficient and reliable model has made it an accepted payment method at several top online casinos like Betway, Jackpot City, Spin Palace and Leo Vegas. Here you can click for more information about the casinos that accept PayPal for deposits and withdrawals. Below we’ve compiled a list of the biggest advantages of using PayPal, and after going through them you’re likely to start using it for all your online transactions. Since starting Canadian Budget Binder I’ve used PayPal services for this blog and now personal purchases. What I love about is that it’s instant and most online shopping outlets accept it. It’s also safe and verifies their customers which is a big deal for those people who worry about online purchases.   Credit card security   While creating a PayPal account, you’re required to enter the details of your credit card and bank account, with which you can make payments online. After entering these details for the first […]

5 Ways To Save Money By Using A Credit Card

CREDIT CARDS ARE MORE THAN JUST A BACK-UP PLAN!   There’s no doubt you need to be careful with credit cards. There are people of all ages throughout Canada struggling with credit card debt in the thousands or tens of thousands. And if you start missing payments, your credit score will be in danger, which will affect your ability to acquire assets and may even limit your employment options. Related: How to avoid turning $1 into a $29 Credit Card fee However, credit cards are not inherently bad. Money mismanagement is, and the two don’t necessarily go hand in hand. If you are conscientious about how you use your money, you can actually save money by taking advantage of credit cards. Instead of battling to pay installments, you can live the lifestyle you choose without letting the debt ever get out of hand. There are multiple ways to save money using a credit card. These are 5 of the most effective.   1. Transfer your balance to a 0% APR credit card   If you are already carrying credit card debt, there is a simple way to get out of paying crippling interest. Many credit card companies offer a 0% […]

How To Avoid Turning One Dollar Into A $29 Credit Card Fee

A CREDIT CARD HAS ONE MISSION-TO MAKE MONEY.   Would you open your window while driving and empty your wallet out? Laughable, however too many of us do this without even knowing it. Never ever just open a credit card bill or any bill and just pay it. If you do this then you run the risk of throwing money out the window. This almost happened to us but thankfully we DO read our statements and found a surprising credit card fee that was not expected. Related: Why you should always read your grocery receipt Besides earning rewards some people they pay a heavy price for holding a credit card balance and paying the minimum. That’s really not what I’m going to talk to you about today though. Quite the opposite actually which not only sent us to the telephone with our jaw dropped but to find out almost all credit card companies do this. Credit Card Fees…. there’s more than 1. We’ve never once paid any interest to a credit card company and don’t plan to begin but this isn’t an interest charge it’s an over credit limit charge. If you thought that your credit card would send out […]

7 Facts about Credit Card Loans That make them Overshadow Bank Loans

FROM TIME TO TIME YOU MAY BE FORCED TO MAKE FINANCIAL DECISIONS WHEN YOU DON’T HAVE AVAILABLE SAVINGS.   There are options with-in reach for those of you who are struggling to get ahead provided you find one that works with your budget. In this era of digital transactions, credit cards have a myriad of uses ranging from cashless transactions, reward points to special deals. In fact Mrs. CBB and I typically only use our credit cards to make purchases because of the perks. We pay our credit card in full at the end of the month and hardly ever have to step foot into our bank. Credit cards offer the convenience of shopping almost anywhere across the globe with a swipe, tap or insert payment option. If handled correctly credit cards can be a source of freebies and financial help in the event you are stuck without emergency savings as back-up. Even if you do have savings, sometimes they are just not enough depending on the circumstances. In addition, you can access a fast pre-approved loan within and sometimes over their credit limit. The company advances you the amount that you can pay at a later date with a […]

Parents tell son he will create credit card debt with rewards cards

CREDIT CARD BUDGET SAVINGS   I talk about credit card debt on CBB once in a while and I also talk about how credit cards can easily be your friend if you use them properly. Many people use credit cards today rather than carrying cash with them. It’s simple to tap, swipe or insert and enter a pin to pay for a purchase and in most cases it gets you through the checkout faster. We carry credit cards because of ease of use and of course there are perks to using Canadian Credit Cards if you use them wisely. Credit cards have helped many people get back on their feet because they knew money was on the way. One friend of ours was in between jobs and used the credit card to get grocery rewards which helped them to buy more groceries for the family every month. One of our current rewards cards the SDM Optimum has almost 500,000 rewards points which is equal to about $1000 worth of free product. We don’t own the Optimum credit card but if you did you could get even more Optimum points faster.   Credit card debt   How to pay off credit […]

The power of plastic points

If you’re like most people, you probably have a wallet full of colourful plastic cards that are taking up space and making it harder and harder for you to close the clasp! If you look through them, you’ll likely discover that while some of these cards are useful credit and debit cards than a few are loyalty cards you just never use. It’s understandable how anyone can end up with such a collection. Practically every retailer offers a loyalty point scheme. At the time, it can be hard to think of a good reason to refuse and with a little effort, the points we collect with plastic can be worth it … as the following tips show.   Be selective of points cards   Before saying yes to every loyalty point card which is put under your nose, think about how often you shop in a particular store. Is it really worth the effort of filling out the application form? Think about where you would shop regularly even if you weren’t part of a loyalty scheme. Once you’ve identified these stores then take advantage of the schemes that they offer. One of our favourite shops to use a rewards points […]

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