Tuesday, October 15, 2013

Money Management Tips for Good Credit

Money management is a complicated thing , but revolves around the principles which seems simple is very difficult to put into practice . Good money management strategy will result in financial stability , good credit , and the ability to see into the future with ease. Here we will discuss some of the principles of simple money management and how to apply them in your life .

Keep Track of Your Credit Score

Many people seem to share the misconception that has no debts or late payments means they have a great credit score . In fact , your credit score is based on how you use your credit , so do not ever use your credit card can actually hurt your score . Instead , put the monthly bills on automatic payment plan on a credit card , then pay the bill in full each month . This will make your credit score and building active , at zero cost to you .

Recognize good vs. bad debt

There is an acceptable debt to have . An education , for example , is a strong investment that with some measures dividends paid out 15 % of the time, get yourself down to a reasonable amount of student loan debt can actually be a wise money management strategy , if you look around for cheap educational options that provide productive opportunities . Similarly , a mortgage can be a good investment in the long-term stability and equity , so do not be shy about signing a mortgage that is within your budget . Just because some people in over their heads in debt, student loans or get stuck paying the mortgage on the house when they bought above their ability , that should not deter a person from exercising prudence in the investment .

Your Debt Obligations

Too many people start to see their debt only as a fact of life , something they carry with them forever . Whether this is because they are overwhelmed by the amount of debt - it has become so large has lost all real meaning - or whether there are other factors at play , it is wise to open your eyes to your debt , to understand them and what it takes to make them disappear . Maybe you will have to adjust your spending habits , buying clothes less , eat less , get rid of unnecessary costs , even cutting down on driving to save gas . But the first priority should pull yourself out of your debt situation and to financial independence . There are many websites out there that are intended to help you educate yourself about managing money , taking advantage of the wealth of information and take your first step towards financial freedom .

5 comments:

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  3. A great read, thanks for the post.

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  4. This comment has been removed by the author.

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  5. Great article, as a photographer and photo retoucher, I have found your advice really helpful!

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