Extra budget money, E Unum Pluribus and money happiness.
Len Penzo dot Com — Owning and using a credit card responsibly has its perks. You build an excellent credit score and in some cases get rewarded with stuff like airline miles. This blogger says successful credit card use depends on making small charges, paying off the total balance each month and staying away from these three things.
His number one thing is hospital bills. Instead of charging the bill, take advantage of the payment plans offered through the hospital or institution where you get treated. If you’re interested in the one thing you should always charge, read the blog.
Luke 1428 — Having extra cash left over from your monthly budget is cool. But once that money becomes available, you must decide what to do with it, and Brian gives you three options. One option is to spend it, but “this is not the most responsible path to take.”
The other two options are also worth more in the long run, he says. Extra money creates momentum and provides you with the opportunity to fund other parts of your financial goals, such as saving for retirement.
Frugal Fringe — Yes you’re reading that correctly. The usual motto on our nation’s coins is E Pluribus Unum: out of many, one. But for saving money, this blogger says try: out of one, many — which means take one large expense and replace it with many smaller expenses.
He provides five examples with charts. Number five is a car. Take that one expense and lower it by taking the bus, walking, riding a bike and car sharing. It’s really an interesting experiment. There are many other expenses provided that you can chart out for your own purposes.
The Heavy Purse — Shannon partially defines financially real as: “the confidence to make good decisions that support your financial well-being every day.” She provides an informative infographic to explain the four steps.
The first step is to realize your financial situation. I think that’s extremely important and one that many people ignore because they’re afraid of what they will find. You’ll never get anywhere financially if you don’t put your situation under a microscope.
First Quarter Finance — For anyone who is thinking about getting their first card or thinking about getting a new card, this is a thorough look at what it takes to qualify. Will goes through all the steps and provides smart details along the way.
He lists what he wants out of a credit card, for example: no annual fee, and how he found the cards that fit into his category. He even tells you what happens once he applied. Give him a read and learn.