Finance Globe

When it comes to your bills, there’s one thing you always need to do: make payments on time. Although it’s easy for life to get in the way, you must have a schedule in place to prevent late payments. One late payment is bad enough. However, if you turn this into a habit, things can get really bad for you in no time at all. A late payment will impact you in many ways, starting with...

For good reason, this is a topic that has been discussed many times in the past. If you’re carrying high interest credit card debt, if you’re looking for a way to save, a balance transfer offer may be the right decision for you. Of course, there is more to this than meets the eye. Most importantly, you need to do two things: •    Understand your current situation, including how much debt you have. •    Find a...

If you have access to a small business credit card, if you’re comfortable using it to make purchases, it’s a good idea to implement a system in regards to when and how it will be used. It goes without saying that your credit card should be used for business purposes only. Along with this, you only want to make a purchase when you’re comfortable with the idea that you can pay it off right away or...

Do you find yourself facing credit card debt? Are you wondering how to best approach this financial challenge? Although credit card debt management can be intimidating, the right approach and a bit of dedication can help you reach your goals. Here are five basic tips for dealing with credit card debt: 1. Know what you’re up against. How much credit card debt do you have? How many cards is the debt spread across? What is the...

As a small business owner, you’re in charge of making many high level decisions. When you move in the right direction, things will come together for your company. But when you make a poor choice, it can hold the organization back from reaching its goals. With all this in mind, you need to be extremely selective when it comes time to search for a small business credit card. For some, this is a great way to...

Imagine this: you apply for a credit card and patiently wait for it to arrive in the mail. Then something strange happens. Instead of receiving a card, you end up with a rejection letter. This can be disappointing on many fronts. While you may feel like giving up, it’s important to review the letter in great detail and then do your best to determine what went wrong. Here are some of the most common reasons for...

If your checking account balance frequently approaches or zips below $0, you’re not managing your account well. Low checking account balances can be stressful and put you at a high risk of overdrafting. Maintaining a minimum balance in your checking account, a buffer so to speak, can benefit you in several ways. Avoid monthly account maintenance fees. Gone are the days of free checking accounts. Many banks now charge a monthly fee on even the most...

Credit cards offers get better and every year. With longer introductory rates and more generous sign up bonuses, you may be tempted to apply for every great credit card you see. However, there are times that applying for a credit card isn’t in your best interest.  1. When you don’t have a steady source of income. Credit card issuers are required to ask for your monthly income before approving you for a credit card. But, if you...

If you find yourself searching for credit card offers, you know one thing to be true: you’ll be presented with hundreds upon hundreds of options. By considering every offer, you put yourself in better position to make an informed and confident decision. Like many, you may be worried about making the right choice. For this reason, you need to learn as much as possible about each category of credit card. By doing this, you’ll find yourself...

Are you thinking about canceling your credit card due to a high annual fee? Before you call your credit card company, keep one thing in mind: you may be able to negotiate. Here are three tips to follow when negotiating an annual fee: •    Show that you are a good customer. Credit card companies give the best perks to the best customers. If you use your card regularly, if you’ve been a customer for many years,...