Credit Card Benefits

credit card wallet

Credit cards get a bum rap sometimes.

Yes, they can charge high interest and have exorbitant fees, but if you pay your balance every month and on time you aren’t affected.  For a vast number of people, cards cards are a great tool which comes with some nice benefits.

Here are some benefits of using a credit card:

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Eating Healthy One Step At A Time

An Apple A Day

I think most people want to eat healthy.

But for many it’s too tough to start (especially eating healthy on a budget).  We get into eating habits, that aren’t great, and its just too much to give them up and change our lifestyles.

So what do we do?  We don’t bother; it’s too hard.

Does this help a person?

Nope.  Does this sound like anything else we don’t take care of because its too hard?  Yup, personal finance!  So what’s the answer to eating healthy?  Just like your personal finances, you can start with baby steps and move from there.  Make small changes to your habits, little by little, and build up over time.
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How Much Life Insurance Should You Buy?

Calculating Money

How to get the right life insurance amount

Maybe you know you need life insurance, but all you get is the policy through your employer because it seemed cheap.  Maybe it is cheap, but is it adequate?

Since you’re thinking about life insurance anyway, you might as well make sure your family has the right amount of coverage.  Insurance is all about displacing risks, so your fist job is to figure out why you need life insurance.

Seriously, let’s pretend I just asked the question, “why do you need life insurance, anyway?”  What would you tell me? Write it down on a scratch piece of paper.
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How to Teach Your Young Children How to Budget

Chip Reward System

How can you teach a three year old to budget when they don’t understand money?

My husband and I paid off $70,000 in debt and have changed our beliefs from accumulating stuff to accumulating life experiences.  We wanted to teach our son some of the lessons we’ve learned.

As a mom, I have been trying to figure out how to teach my son about money, and find a system to reward him that doesn’t involve sugar or toys.
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How An Excellent Credit Score Has Helped Us Save Money

Home Savings

Having excellent credit scores has helped my wife and I save in many ways over the years. We didn’t always have great credit scores.  Both my wife and I had our periods of credit card debt.  Along with that came the occasional late payment and the regular stealing from Peter to pay Paul lifestyle.  But we both wised up and, over time, eliminated our credit card debts.  With that came better and better credit scores.  We’ve discovered that having a good, or great, credit score has its benefits.
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Frugality Doesn’t Mean You Have To Deprive Yourself

What is the first thing that pops into your head when I say the word frugal?

Do you see an image of grumpy, old Ebenezer Scrooge sitting alone at his desk counting his money?  Or perhaps you imagine yourself shivering in the dark, afraid of wasting money on heat or electricity?

If that’s what you think frugality is like you’re way off!
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Its April 15-Get Your Taxes In! And Tax Day Deals

Ben Franklin Snippet

Did you wait until the last minute? Did April 15th creep up on you too quickly?  Don’t sit there waiting, get working on completing and filing your taxes!

You have until midnight, April 15th, to have physical tax forms postmarked before they are late.  Of course you need to make sure you get to the post office in time, and trust me, there will be lines!
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