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Money Management Aids
You may also find helpful ideas in Experian’s special section, “200 free financial tips”: http://www.lowermybills.com/tipsadvice/home.jsp SELECT THE BEST CREDIT CARD FOR YOU BANKRATE.COM says it is “comprehensive, objective, and free,” and it is. You don’t need to wait until a credit card company offers you a suitable card. You can go to the CREDIT CARD BASICS page below, check out the credit cards available, and, if your credit is all right, you can simply pick out the card that suits you rather than the one that suits the credit card company. This CREDIT CARD BASICS website does something else: it tells you about the sneaky little things that can end up costing you money. Now, you already know a lot of this stuff. But most of us have learned about credit cards on the fly and have never settled down to study the details. So please do check out these basics. Find out which credit cards are really best fo you and your family. A few minutes now can save you hundreds of dollars over time. http://www.bankrate.com/brm/green/cc/basics-toc.asp YOUR BEST INTEREST RATES They say, “Comprehensive, objective, free,” and they are indeed an excellent site. Here you can find the best rates for refinancing your mortgage and consolidating your debts, not to mention the best interest rates on checking and savings accounts. All this, plus "a tax tip a day keeps the IRS away," at: 31 DAYS TO FIX YOUR FINANCES This assumes your finances are not super-bad, but you’re not happy with the way things are going. Says THE SIMPLE DOLLAR, “Instead of supplying a bunch of budgeting sheets and asking you to commit yourself to a program, this series is about figuring out what you want out of life and reorganizing your finances so that you can have it.”
http://www.thesimpledollar.com/2007/01/31/ GET OUT OF DEBT GET RICH SLOWLY has sensible information on how to get out of debt. It assumes you’re not hopelessly in debt, but more indebted than you’d like. http://www.getrichslowly.org/blog/2006/11/16/how-to-get-out-of-debt-2/ Then scroll way down the page to “Popular Posts,” where you’ll see more down-to-earth advice. MONEY MATH YOU NEED TO KNOW These six simple calculations will help you put your finances in perspective, whether the question is your real buying power or the amount you need to quit your job forever.
http://articles.moneycentral.msn.com/SavingandDebt/ “MY MONEY” TOOL KIT I hadn’t heard of the U.S. Financial Literacy and Education Commission before now, and you probably haven’t either. But they’ve got a free “My Money” tool kit, which would be especially valuable for graduates starting their first job. It deals with budgeting, taxes, credit, home ownership, starting a new business, and more. It would also help someone starting a new business or someone with financial problems. The “My Money” Tool Kit comes in both English and Spanish. You can sign up for it at: http://www.mymoney.gov/mymoneyorder.shtml FREE ONLINE CALCULATORS Free online calculator site that includes auto loan, interest, calorie, car payment, loan, retirement, morgage, and standard calculators. Use them to plan your payments and do long-range budgeting, as well as for solving minor problems. |
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