What’s your least favorite part of paying bills? Is it watching your checking account diminish? Or is it the headache of managing so many different accounts, each with its own due date and payment system? Having your bills automatically paid each month does seem like a perfect fix, but what are the disadvantages of automatic bill pay?
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Whether we’re talking about hitting the gym, calling mom more often, or reining in our budgets, resolutions are gleaming, beguiling peaks that few ever climb. The thing is, there’s something lurking under our resolutions; often unacknowledged, it resists change, anchoring us to our old habits. Maybe you’re too tired when it comes time to leave for the gym and you promise yourself you’ll go tomorrow. Maybe a Netflix show is starting just as your reminder to call mom chimes. You know how it goes. Fortunately, if your resolution is to reshape and master your budget, you’ve got a new best friend that takes into account the human inclination to resist change; transition budgeting.
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Saving money isn’t easy for anyone. In GOBankingRates’ 2015 survey on savings, nearly a third of respondents had $0 saved, and 69% kept less than $1,000 in their savings. New Year’s resolutions are in full effect – let’s add some manageable savings techniques to your repertoire.
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America loves credit cards. According to data from the Federal Reserve and U.S. Census Bureau, approximately 72% of American consumers – or 167 million Americans – have at least one credit card. However, even with all of these millions of cards already in people’s wallets, credit card issuers are constantly trying to get us to apply for more credit cards. You might feel like your mailbox is clogged with thick envelopes full of offers to apply for pre-screened credit cards. But what do these offers really mean? Can they hurt your credit? And what can you do to stop pre-approved credit cards sent in the mail?
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Yes, you can in fact overdraft a prepaid card. If you’re a reader of this site because you have excellent financial luck and history, and are just wanting to tweak your portfolio to perfection, you probably don’t need to read this article. For the other 99.999% of us, this is news we’ll need to take in. A new ruling by the Consumer Financial Protection Bureau revealed a fact few of us knew about a tool of those building or rebuilding credit: the prepaid debit or credit card.
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The easiest way to manage your paid subscriptions
