Now more than ever people are taking a deeper look into their finances. Everyone needs a way to spen...

1. Use These Pointer To Enhance Your Personal Finances
Now more than ever people are taking a deeper look into their finances. Everyone needs a way to
spend less and save more. This article will take you through several options for ways that you can
tighten the purse strings a little bit and come out better each month.
Shop around before committing to a specific lender for financing. Talk to several loan officers, and
always get terms on paper. You can also let the loan officer know of other rates you have been
quoted, giving them a chance to compete for your business. Be sure to not only compare interest
rates, but additional fees and charges as well.
Try to pay more than the minimum payments on
your credit cards. When you only pay the minimum
amount off your credit card each month it can end
up taking years or even decades to clear the
balance. Items that you bought using the credit card
can also end up costing you over twice the purchase
price.
A great way to keep on top of your personal finance,
is to set up a direct debit to be taken out of your
paycheck each month. This means you'll save without having to make the effort of putting money
aside and you will be used to a slightly lower monthly budget. You won't face the difficult choice of
whether to spend the money in your account or save it.
Unless it's an actual emergency, stay away from the ER. Make sure and locate urgent care centers in
your area that you can go to for after hours issues. An ER visit co-pay is usually double the cost of
going to your doctor or to an urgent care clinic. Avoid the higher cost but in a true emergency head
straight to the ER.
Set up your bank account to transfer a predetermined sum of money from your checking to your
savings once a month. You will forget you even have this money or see it as a bill, just like any other
expense. Your savings can add up quickly by doing this.
To improve your personal finance habits, pay off your debt as soon as it is possible. The amount of
interest on loans is very high, and the longer you take to pay them off, the more you pay in interest.
Additionally, you should always pay more than the minimum that is due on your loan or credit card.
If you see something on your credit report that is inaccurate, immediately write a letter to the credit
bureau. Writing a letter forces the bureau to investigate your claim. The agency who put the
negative item on your report must respond within thirty days. If the item is truly incorrect, writing a
letter is often the easiest way to have it removed.
Find out if you will get a discount for making your payments automatically. Many times if you mail
your payment you will be charged as much as $5.00 per month. You may find that there is a nice
discount for you if you set up an automatic payment through your checking account or credit card.

2. Before signing a lease agreement, talk to your future property management about the privacy
policies. Many places require social security numbers and many other personal pieces of
information, but they never explain how this information is stored and kept safe. Stolen identities
are on a sky high rise in the past decade and without proper safekeeping from the management
company, yours can be next.
Sometimes your credit score may be penalized by shutting down all of your credit card accounts at
once. You can continue to pay on all of your accounts, but consider carrying only one or two cards in
your purse or wallet at any time. You will be forced to carefully choose your credit purchases and
avoid temptation.
If you're trying to improve your personal budget, one easy way to get yourself in the mindset is to
get your paycheck put directly into a savings account rather than checking or cash. This will help
get you in the habit of saving money and not thinking of it all as disposable income.
If you have multiple credit cards for different retailers, place them in a zippered sandwich bag filled
with water, then freeze the bag in your freezer. This helps you to resist temptation umbrella
company fees by creating a number of obstacles to an otherwise impulsive spending spree. Not only
will you have to wait for the ice to thaw, but you might also end up making a mess - an excellent
deterrent.
Consider banking with a credit union. In today's
difficult economy, many banks are
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checking accounts or adding new fees and charges.
Credit unions, however, are non-profit, so they usually
charge lower fees and may offer lower interest rates on
credit cards as well, allowing you to keep more of your
money.
Look for a free checking account, as there is no need to
waste money unnecessarily. Get something that has no
minimum balance requirement, no transaction fees and
no monthly fees. The majority of banks still offer free,
no interest checking accounts. Others have checking
accounts that can be free if you sign up for direct
deposit.
Make sure to always have enough cash on hand in case
of an emergency. It is recommended that you have
enough in your savings account to cover six to nine
months worth of expenses. That way you will be covered in the event that you lose your job or you
become injured.
Use coupons for your shopping. Coupons can be found in weekly store ads or online and there is

3. bound to be some great deals on some items you buy. You don't have to purchase anything; just cut
them out and bring them to the store with you. You can get some great deals and have quite a bit of
money left in your pocket.
A college education can increase your earning power. It is a fact that those who have graduated
college and have a Bachelor's Degree make double the amount than those who have not. Throughout
your entire adult life, your degree can more than double your total wealth and earn a significant
return on your investment in tuition.
Starting out on your own can be an exciting time and a time when personal finance issues can spiral
out of control. Use the above tips to keep yourself in check so you do not end up racking up debt you
will have to pay back for the rest of your life.